Cousins Maine Lobster, 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 S0434)

5 deals since 2020 · typical deal $450K

Deals since 2020

$450K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Cousins Maine Lobster has 5 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Cousins Maine Lobster

Most Cousins Maine Lobster deals financed between $348K and $520K. Above $520K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$450K

Monthly payment (10-yr): $5,885
Down payment (10%): $50K
Cash to close (all-in): $67K

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 ~$67K)

Experience

Recent financings

Cousins New York Truck Inc. in Astoria, NY — $520K (2026) · Brooklyn Cooperative FCU
Program
7a General
Rate at approval
10.25% variable
Term
79 months
SBA guaranteed
$390K (75%)
Approved
2/20/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Brooklyn Cooperative FCU
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UBUNTU CAPITAL & MANAGEMENT INC in North Charleston, SC — $450K (2025) · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approved
7/23/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Mobile Food Services
Funded by Meridian Bank · Lender record →
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Kevris LLC in Hartford, WI — $348K (2025) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$261K (75%)
Approved
5/29/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Mobile Food Services
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
Grannie's Lobster Company, LLC in Jacksonville, FL — $330K (2025) · First Federal Bank
Program
Preferred Lenders Program
Rate at approval
8.99% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$248K (75%)
Approval → funding
34 days
Approved
6/17/2025
First disbursed
7/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Mobile Food Services
Funded by First Federal Bank · Lender record →
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Cousins Maine Lobster in Hallandale, FL — $850K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$638K (75%)
Approval → funding
31 days
Approved
10/4/2022
First disbursed
11/4/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Newtek Small Business Finance, Inc.
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Who funds Cousins Maine Lobster — and where

Every dot is a financed Cousins Maine Lobster — 5 mapped.

Financed Cousins Maine Lobster locations — list all 5 as text

UBUNTU CAPITAL & MANAGEMENT INC — North Charleston · $450K · FY2025 · Mobile Food Services
Cousins New York Truck Inc. — Astoria · $520K · FY2026 · Mobile Food Services
Kevris LLC — Hartford · $348K · FY2025 · Mobile Food Services
Grannie's Lobster Company, LLC — Jacksonville · $330K · FY2025 · Mobile Food Services
Cousins Maine Lobster — Hallandale · $850K · FY2023 · Mobile Food Services

Top lenders for this brand

1.Meridian Bank(1)
2.Brooklyn Cooperative FCU (1)
3.Bank Five Nine(1)
4.First Federal Bank(1)
5.Newtek Small Business Finance, Inc. (1)

Most active states

1.Florida (2 loans)
2.South Carolina (1 loans)
3.New York (1 loans)
4.Wisconsin (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Cousins Maine Lobster 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Cousins Maine Lobster lending specialist.

Common questions

How much does a Cousins Maine Lobster cost to buy or open?

The typical deal for Cousins Maine Lobster is $450K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $50K of buyer cash on a typical deal.

How risky is Cousins Maine Lobster?

Cousins Maine Lobster has 5 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 Cousins Maine Lobster with an SBA loan?

Yes — Cousins Maine Lobster has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Cousins Maine Lobster franchise

Most Cousins Maine Lobster 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 Cousins Maine Lobster deal financed for $450K, which points to about $50K of buyer cash on a typical purchase. Cousins Maine Lobster is listed in the SBA Franchise Directory (identifier S0434), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cousins Maine Lobster — 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 Cousins Maine Lobster — 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 Cousins Maine Lobster — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cousins Maine Lobster is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$450K typical deal
4 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0434)
Top lenders: Meridian Bank, Brooklyn Cooperative FCU, Bank Five Nine

Next steps

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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.
Canonical:: https://www.capbench.com/franchises/cousins-maine-lobster
API:: https://www.capbench.com/api/public/franchises/cousins-maine-lobster
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 Cousins Maine Lobster.