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HTeaO, by the numbers

HTeaO appears in 57 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S3365)

57 deals since 2020 · typical deal $740K · 0% failure rate

57

Deals since 2020

$740K

Typical deal

26

Deals since FY2025

0%

Failure rate (FY20–23)

HTeaO buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for HTeaO

Most HTeaO deals financed between $242K and $1.97M. Above $1.97M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$9,677
Down payment (10%)
$82K
Cash to close (all-in)
$113K

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 ~$113K)

Experience

Recent financings

  • Tily Tea Company, LLC in Northlake, TX — $2.0M (2026) · Northwest Bank
  • HERBTEA, LLC in Cedar Park, TX — $150K (2026) · Meadows Bank
  • Shumu TX Holdings Corp. in Harker Heights, TX — $150K (2026) · Bank Five Nine
  • RALPH AND SARAH PARTNERS LLC in Port Isabel, TX — $150K (2026) · Bank Five Nine
  • ZTeaO, LLC in Tucson, AZ — $125K (2026) · Bank Five Nine
  • LEVITEA LLC in Altus, OK — $100K (2026) · Bank Five Nine
  • Tily Tea Company, LLC in Northlake, TX — $50K (2026) · Northwest Bank
  • SusTEAta, LLC in San Antonio, TX — $2.8M (2025) · Amistad Bank
  • Vallarm, LLC in Temple, TX — $2.5M (2025) · Amistad Bank
  • INFINNITEA, LLC in Glendale, AZ — $2.5M (2025) · Bank Five Nine

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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HTeaO brand mark

Who funds HTeaO — and where

Every dot is a financed HTeaO — 57 mapped.

Financed HTeaO locations — list all 57 as text

Top lenders for this brand

  1. 1.Bank Five Nine(15)
  2. 2.BancFirst(8)
  3. 3.The Huntington National Bank(5)
  4. 4.Amistad Bank (4)
  5. 5.Capital Certified Development Corporation(2)

Most active states

  1. 1.Texas (35 loans)HTeaO lenders in Texas->
  2. 2.Oklahoma (10 loans)HTeaO lenders in Oklahoma->
  3. 3.Arizona (5 loans)HTeaO lenders in Arizona->
  4. 4.Tennessee (3 loans)HTeaO lenders in Tennessee->
  5. 5.Florida (2 loans)HTeaO lenders in Florida->
  6. 6.Missouri (2 loans)HTeaO lenders in Missouri->

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Common questions

How much does a HTeaO cost to buy or open?

The typical deal for HTeaO is $740K across 57 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $81K of buyer cash on a typical deal.

How risky is HTeaO?

0% of HTeaO's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a HTeaO with an SBA loan?

Yes — HTeaO has been SBA-financed 26 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a HTeaO franchise

Most HTeaO 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 HTeaO deal financed for $740K, which points to about $81K of buyer cash on a typical purchase. HTeaO is listed in the SBA Franchise Directory (identifier S3365), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund HTeaO — 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 HTeaO — 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 HTeaO — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. HTeaO is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 57 SBA 7(a) deals since 2020
  • $740K typical deal
  • 26 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S3365)
  • Top lenders: Bank Five Nine, BancFirst, The Huntington National Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-30.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/hteao
API:
https://www.capbench.com/api/public/franchises/hteao
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 HTeaO.

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