Matto Expresso, 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 S4081)
5 deals since 2020 · typical deal $180K
5
Deals since 2020
$180K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Matto Expresso
Most Matto Expresso deals financed between $180K and $180K. Above $180K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,661
- Down payment (10%)
- $20K
- Cash to close (all-in)
- $27K
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 ~$27K)
Experience
Recent financings
- Naim Matto 1353 LLC in New York, NY — $180K (2022) · Hanover Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (50%)
- Approval → funding
- 30 days
- Approved
- 10/1/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hanover Community Bank · Lender record →
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- Naim Matto 9131 LLC in Elmhurst, NY — $180K (2022) · Hanover Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (50%)
- Approval → funding
- 30 days
- Approved
- 10/1/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hanover Community Bank · Lender record →
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- Espresso 70 LLC in New York, NY — $180K (2021) · Hanover Community Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $162K (90%)
- Approval → funding
- 59 days
- Approved
- 5/28/2021
- First disbursed
- 7/26/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hanover Community Bank · Lender record →
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- Espresso John LLC in New York, NY — $168K (2021) · Hanover Community Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $151K (90%)
- Approval → funding
- 59 days
- Approved
- 5/28/2021
- First disbursed
- 7/26/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hanover Community Bank · Lender record →
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- Arraziq LLC in West Orange, NJ — $225K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $169K (75%)
- Approval → funding
- 108 days
- Approved
- 8/14/2020
- First disbursed
- 11/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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Who funds Matto Expresso — and where
Every dot is a financed Matto Expresso — 5 mapped.
Financed Matto Expresso locations — list all 5 as text
- Espresso John LLC — New York · $168K · FY2021 · Snack and Nonalcoholic Beverage Bars
- Espresso 70 LLC — New York · $180K · FY2021 · Snack and Nonalcoholic Beverage Bars
- Arraziq LLC — West Orange · $225K · FY2020 · Limited-Service Restaurants
- Naim Matto 1353 LLC — New York · $180K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Naim Matto 9131 LLC — Elmhurst · $180K · FY2022 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.New York (4 loans)
- 2.New Jersey (1 loans)
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Common questions
How much does a Matto Expresso cost to buy or open?
The typical deal for Matto Expresso is $180K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $20K of buyer cash on a typical deal.
How risky is Matto Expresso?
Matto Expresso 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 Matto Expresso with an SBA loan?
Yes — Matto Expresso has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Matto Expresso franchise
Most Matto Expresso 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 Matto Expresso deal financed for $180K, which points to about $20K of buyer cash on a typical purchase. Matto Expresso is listed in the SBA Franchise Directory (identifier S4081), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Matto Expresso — 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 Matto Expresso — 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 Matto Expresso — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Matto Expresso 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
- $180K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4081)
- Top lenders: Hanover Community Bank, The Huntington National 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 Matto Expresso.