Feng Cha, 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 S4810)
5 deals since 2020 · typical deal $384K
5
Deals since 2020
$384K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Feng Cha
Most Feng Cha deals financed between $356K and $457K. Above $457K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,022
- Down payment (10%)
- $43K
- Cash to close (all-in)
- $57K
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 ~$57K)
Experience
Recent financings
- CTL Tea Garden LLC in Kansas City, MO — $457K (2025) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $343K (75%)
- Approval → funding
- 15 days
- Approved
- 7/22/2025
- First disbursed
- 8/6/2025
- 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 Hancock Whitney Bank · Lender record →
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- FENG CHA in Newark, CA — $356K (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $267K (75%)
- Approval → funding
- 35 days
- Approved
- 3/13/2025
- First disbursed
- 4/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $396K
- Est. down payment (10%)
- $40K
- Est. cash at closing
- $53K
- Monthly payment
- $4,706
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $71K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
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- Feng Cha in Grand Prairie, TX — $384K (2024) · Midwest Regional Bank
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $288K (75%)
- Approved
- 12/28/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Midwest Regional Bank · Lender record →
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- Cannect, LLC in Richardson, TX — $2.6M (2022) · purchase · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 15 days
- Approved
- 11/15/2021
- First disbursed
- 11/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Lessors of Miniwarehouses and Self-Storage Units
If you were the buyer here
- Est. deal size
- $2.8M
- Est. down payment (10%)
- $285K
- Est. cash at closing
- $393K
- Monthly payment
- $16,515
- Annual debt service
- $198K
- Cash flow needed (1.25×)
- $248K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hancock Whitney Bank · Lender record →
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- Feng Cha Rowlett, LLC in Rowlett, TX — $277K (2022) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $208K (75%)
- Approval → funding
- 29 days
- Approved
- 8/15/2022
- First disbursed
- 9/13/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hancock Whitney Bank · Lender record →
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Who funds Feng Cha — and where
Every dot is a financed Feng Cha — 5 mapped.
Financed Feng Cha locations — list all 5 as text
- CTL Tea Garden LLC — Kansas City · $457K · FY2025 · Limited-Service Restaurants
- FENG CHA — Newark · $356K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Feng Cha Rowlett, LLC — Rowlett · $277K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Feng Cha — Grand Prairie · $384K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Cannect, LLC — Richardson · $2.6M · FY2022 · Lessors of Miniwarehouses and Self-Storage Units
Top lenders for this brand
Most active states
- 1.Texas (3 loans)
- 2.Missouri (1 loans)
- 3.California (1 loans)
Represent Feng Cha?
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Common questions
How much does a Feng Cha cost to buy or open?
The typical deal for Feng Cha is $384K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $42K of buyer cash on a typical deal.
How risky is Feng Cha?
Feng Cha 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 Feng Cha with an SBA loan?
Yes — Feng Cha has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Feng Cha franchise
Most Feng Cha 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 Feng Cha deal financed for $384K, which points to about $42K of buyer cash on a typical purchase. Feng Cha is listed in the SBA Franchise Directory (identifier S4810), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Feng Cha — 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 Feng Cha — 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 Feng Cha — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Feng Cha 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
- $384K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4810)
- Top lenders: Hancock Whitney Bank, Celtic Bank Corporation, Midwest Regional Bank
- 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 Feng Cha.