Gloria Jean's Coffees, 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 S0723)
4 deals since 2020 · typical deal $450K
4
Deals since 2020
$450K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Gloria Jean's Coffees
Most Gloria Jean's Coffees deals financed between $350K and $550K. Above $550K, you're paying more than 75% of buyers did — make the seller earn it.
- 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
- USKUNA STYLE LLC in Plainsboro, NJ — $117K (2026) · Northeast Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $99K (85%)
- Approved
- 2/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Northeast Bank · Lender record →
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- STX Brew Company LLC in Mcallen, TX — $550K (2023) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $413K (75%)
- Approval → funding
- 27 days
- Approved
- 2/8/2023
- First disbursed
- 3/7/2023
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Frost Bank · Lender record →
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- STX Brew Company LLC in Mcallen, TX — $450K (2021) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $405K (90%)
- Approval → funding
- 8 days
- Approved
- 9/22/2021
- First disbursed
- 9/30/2021
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Frost Bank · Lender record →
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- CROWN POINT COFFEE INC in Crown Point, IN — $350K (2020) · Peoples Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.75% fixed
- Term
- 66 months
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 23 days
- Approved
- 7/8/2020
- First disbursed
- 7/31/2020
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Peoples Bank · Lender record →
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Who funds Gloria Jean's Coffees — and where
Every dot is a financed Gloria Jean's Coffees — 4 mapped.
Financed Gloria Jean's Coffees locations — list all 4 as text
- STX Brew Company LLC — Mcallen · $550K · FY2023 · Limited-Service Restaurants
- USKUNA STYLE LLC — Plainsboro · $117K · FY2026 · Clothing and Clothing Accessories Retailers
- CROWN POINT COFFEE INC — Crown Point · $350K · FY2020 · Limited-Service Restaurants
- STX Brew Company LLC — Mcallen · $450K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Texas (2 loans)
- 2.New Jersey (1 loans)
- 3.Indiana (1 loans)
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Common questions
How much does a Gloria Jean's Coffees cost to buy or open?
The typical deal for Gloria Jean's Coffees is $450K across 4 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 Gloria Jean's Coffees?
Gloria Jean's Coffees has 4 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 Gloria Jean's Coffees with an SBA loan?
Yes — Gloria Jean's Coffees has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Gloria Jean's Coffees franchise
Most Gloria Jean's Coffees 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 Gloria Jean's Coffees deal financed for $450K, which points to about $50K of buyer cash on a typical purchase. Gloria Jean's Coffees is listed in the SBA Franchise Directory (identifier S0723), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Gloria Jean's Coffees — 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 Gloria Jean's Coffees — 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 Gloria Jean's Coffees — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Gloria Jean's Coffees is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $450K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0723)
- Top lenders: Frost Bank, Northeast Bank, Peoples 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 Gloria Jean's Coffees.