Gong Cha (only for NJ, NY, MA & TX), 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 S3205)
14 deals since 2020 · typical deal $260K
14
Deals since 2020
$260K
Typical deal
4
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Gong Cha (only for NJ, NY, MA & TX)
Most Gong Cha (only for NJ, NY, MA & TX) deals financed between $150K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,621
- Down payment (10%)
- $29K
- Cash to close (all-in)
- $39K
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 ~$39K)
Experience
Recent financings
- Siphony LLC in Nashville, TN — $564K (2025) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 127 months
- SBA guaranteed
- $423K (75%)
- Approval → funding
- 103 days
- Approved
- 12/18/2024
- First disbursed
- 3/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by FWBank · Lender record →
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- KNTN LLC in College Station, TX — $384K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 129 months
- SBA guaranteed
- $288K (75%)
- Approval → funding
- 6 days
- Approved
- 12/12/2024
- First disbursed
- 12/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- 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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- Gong Cha Bandera in San Antonio, TX — $175K (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $149K (85%)
- Approval → funding
- 31 days
- Approved
- 6/13/2025
- First disbursed
- 7/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
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- KNTN LLC in College Station, TX — $25K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 12/12/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- 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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- Lili and Lumiere 1520 LLC in Westerville, OH — $260K (2024) · The Farmers National Bank of Canfield
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 27 days
- Approved
- 7/9/2024
- First disbursed
- 8/5/2024
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Farmers National Bank of Canfield · Lender record →
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- Alaga Tea LLC in New York, NY — $320K (2023) · The Bank of Princeton
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 118 months
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 0 days
- Approved
- 3/30/2023
- First disbursed
- 3/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Bank of Princeton
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- TAZ TEA, LLC in Tomball, TX — $265K (2023) · PNC Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $133K (50%)
- Approval → funding
- 8 days
- Approved
- 2/8/2023
- First disbursed
- 2/16/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by PNC Bank, National Association · Lender record →
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- AFZI, LLC in Pittsburgh, PA — $150K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 15 days
- Approved
- 9/20/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- 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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- Gong Cha Syracuse, LLC in Syracuse, NY — $112K (2023) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 90 months
- SBA guaranteed
- $56K (50%)
- Approval → funding
- 17 days
- Approved
- 10/7/2022
- First disbursed
- 10/24/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Manufacturers and Traders Trust Company · Lender record →
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- AVP FRANCHISING LLC in Westfield, NJ — $380K (2022) · Firstrust Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 123 months
- SBA guaranteed
- $285K (75%)
- Approval → funding
- 45 days
- Approved
- 1/21/2022
- First disbursed
- 3/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Firstrust Savings Bank · Lender record →
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Who funds Gong Cha (only for NJ, NY, MA & TX) — and where
Every dot is a financed Gong Cha (only for NJ, NY, MA & TX) — 13 mapped.
Financed Gong Cha (only for NJ, NY, MA & TX) locations — list all 13 as text
- TAZ TEA, LLC — Tomball · $265K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Lili and Lumiere 1520 LLC — Westerville · $260K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Gong Cha Bandera — San Antonio · $175K · FY2025 · Snack and Nonalcoholic Beverage Bars
- MFH TEA LLC — Lubbock · $150K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Gong Cha Syracuse, LLC — Syracuse · $112K · FY2023 · Snack and Nonalcoholic Beverage Bars
- AFZI, LLC — Pittsburgh · $150K · FY2023 · Snack and Nonalcoholic Beverage Bars
- KNTN LLC — College Station · $25K · FY2025 · Snack and Nonalcoholic Beverage Bars
- KNTN LLC — College Station · $384K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Siphony LLC — Nashville · $564K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Alaga Tea LLC — New York · $320K · FY2023 · All Other Specialty Food Retailers
- AVP FRANCHISING LLC — Westfield · $380K · FY2022 · Limited-Service Restaurants
- Taste Tea LLC — Ridgefield · $165K · FY2021 · All Other Specialty Food Stores
- D&T Gong Cha LLC — San Antonio · $136K · FY2021 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Texas (6 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in Texas->
- 2.New Jersey (3 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in New Jersey->
- 3.New York (2 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in New York->
- 4.Ohio (1 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in Ohio->
- 5.Pennsylvania (1 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in Pennsylvania->
- 6.Tennessee (1 loans)Gong Cha (only for NJ, NY, MA & TX) lenders in Tennessee->
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Common questions
How much does a Gong Cha (only for NJ, NY, MA & TX) cost to buy or open?
The typical deal for Gong Cha (only for NJ, NY, MA & TX) is $260K across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $29K of buyer cash on a typical deal.
How risky is Gong Cha (only for NJ, NY, MA & TX)?
Gong Cha (only for NJ, NY, MA & TX) has 14 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 Gong Cha (only for NJ, NY, MA & TX) with an SBA loan?
Yes — Gong Cha (only for NJ, NY, MA & TX) 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 Gong Cha (only for NJ, NY, MA & TX) franchise
Most Gong Cha (only for NJ, NY, MA & TX) 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 Gong Cha (only for NJ, NY, MA & TX) deal financed for $260K, which points to about $29K of buyer cash on a typical purchase. Gong Cha (only for NJ, NY, MA & TX) is listed in the SBA Franchise Directory (identifier S3205), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Gong Cha (only for NJ, NY, MA & TX) — 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 Gong Cha (only for NJ, NY, MA & TX) — 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 Gong Cha (only for NJ, NY, MA & TX) — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Gong Cha (only for NJ, NY, MA & TX) is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 14 SBA 7(a) deals since 2020
- $260K typical deal
- 4 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3205)
- Top lenders: The Huntington National Bank, The Bank of Princeton, PNC Bank, National Association
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- 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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Represent Gong Cha (only for NJ, NY, MA & TX)?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Gong Cha (only for NJ, NY, MA & TX).