Chatime, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3639)
10 deals since 2020 · typical deal $350K
10
Deals since 2020
$350K
Typical deal
8
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Chatime
Most Chatime deals financed between $50K and $399K. Above $399K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,871
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$52K)
Experience
Recent financings
- CJA Venture 1, LLC in Las Vegas, NV — $613K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $459K (75%)
- Approval → funding
- 19 days
- Approved
- 1/9/2026
- First disbursed
- 1/28/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
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- CJA Venture 2 LLC in Las Vegas, NV — $535K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $401K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
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- GULATEA LLC in Dallas, TX — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- GULATEA LLC in Dallas, TX — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- REALITEA LEAFS LLC in Houston, TX — $399K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $299K (75%)
- Approval → funding
- 20 days
- Approved
- 3/26/2025
- First disbursed
- 4/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- KaSips LLC in Fairfax, VA — $380K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $285K (75%)
- Approval → funding
- 207 days
- Approved
- 5/23/2025
- First disbursed
- 12/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KaSips LLC in Fairfax, VA — $40K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 5/23/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- REALITEA LEAFS LLC in Houston, TX — $35K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $18K (50%)
- Approval → funding
- 20 days
- Approved
- 3/26/2025
- First disbursed
- 4/15/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- CHATIME KC LLC in Overland Park, KS — $232K (2021) · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $209K (90%)
- Approval → funding
- 12 days
- Approved
- 3/19/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
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- Lucky Leaf LLC in Nottingham, MD — $340K (2020) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $255K (75%)
- Approval → funding
- 76 days
- Approved
- 4/15/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (8/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Beacon Bank and Trust · Lender record →
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Who funds Chatime — and where
Every dot is a financed Chatime — 10 mapped.
Financed Chatime locations — list all 10 as text
- CHATIME KC LLC — Overland Park · $232K · FY2021 · All Other Specialty Food Stores
- CJA Venture 1, LLC — Las Vegas · $613K · FY2026 · Snack and Nonalcoholic Beverage Bars
- CJA Venture 2 LLC — Las Vegas · $535K · FY2026 · Snack and Nonalcoholic Beverage Bars
- GULATEA LLC — Dallas · $350K · FY2026 · Snack and Nonalcoholic Beverage Bars
- GULATEA LLC — Dallas · $50K · FY2026 · Snack and Nonalcoholic Beverage Bars
- REALITEA LEAFS LLC — Houston · $35K · FY2025 · Snack and Nonalcoholic Beverage Bars
- REALITEA LEAFS LLC — Houston · $399K · FY2025 · Snack and Nonalcoholic Beverage Bars
- KaSips LLC — Fairfax · $40K · FY2025 · Limited-Service Restaurants
- KaSips LLC — Fairfax · $380K · FY2025 · Limited-Service Restaurants
- Lucky Leaf LLC — Nottingham · $340K · FY2020 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Texas (4 loans)
- 2.Nevada (2 loans)
- 3.Virginia (2 loans)
- 4.Kansas (1 loans)
- 5.Maryland (1 loans)
Represent Chatime?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Chatime cost to buy or open?
The typical deal for Chatime is $350K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.
How risky is Chatime?
Chatime has 10 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Chatime with an SBA loan?
Yes — Chatime has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Chatime franchise
Most Chatime buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Chatime deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Chatime is listed in the SBA Franchise Directory (identifier S3639), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Chatime — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Chatime — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Chatime — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Chatime is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $350K typical deal
- 8 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3639)
- Top lenders: The Huntington National Bank, First Bank of the Lake, 22nd State Bank, A Division of 22nd State Banking Company
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Chatime.