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Menchie's, by the numbers

Menchie's appears in 39 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 S1103)

39 deals since 2020 · typical deal $250K · 0% failure rate

39

Deals since 2020

$250K

Typical deal

7

Deals since FY2025

0%

Failure rate (FY20–23)

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

What buyers pay for Menchie's

Most Menchie's deals financed between $40K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,696
Down payment (10%)
$28K
Cash to close (all-in)
$37K

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 ~$37K)

Experience

Recent financings

  • Life Saving Organics LLC in Frisco, TX — $350K (2026) · The Huntington National Bank
  • Menchie's Crystal Lake in Crystal Lake, IL — $350K (2026) · Home State Bank, National Association
  • SL SWIRLZ LLC in Fontana, CA — $40K (2026) · U.S. Bank, National Association
  • Superior Frozen Yogurt LLC in Superior, CO — $493K (2025) · Zions Bank, A Division of
  • Menchie's Granite Bay in Granite Bay, CA — $330K (2025) · HomeTrust Bank
  • Alpine Enterprises LLC in Manteca, CA — $293K (2025) · Magnifi Financial CU
  • Menchie's Frozen Yogurt in Fort Worth, TX — $144K (2025) · HomeTrust Bank
  • PM ONE LLC in Canton, MI — $634K (2024) · purchase · The Huntington National Bank
  • DA Yogurt LLC in Philadelphia, PA — $510K (2024) · purchase · Citizens Bank
  • Longhorn Yogurt UTC LLC in Sarasota, FL — $500K (2024) · purchase · TowneBank

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

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Menchie's brand mark

Who funds Menchie's — and where

Every dot is a financed Menchie's — 39 mapped.

Financed Menchie's locations — list all 39 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(17)
  2. 2.HomeTrust Bank(3)
  3. 3.Citizens Bank(3)
  4. 4.Mountain America FCU(2)
  5. 5.U.S. Bank, National Association(2)

Most active states

  1. 1.California (9 loans)Menchie's lenders in California->
  2. 2.Texas (7 loans)Menchie's lenders in Texas->
  3. 3.Utah (4 loans)Menchie's lenders in Utah->
  4. 4.Idaho (4 loans)Menchie's lenders in Idaho->
  5. 5.Michigan (3 loans)Menchie's lenders in Michigan->
  6. 6.Pennsylvania (2 loans)Menchie's lenders in Pennsylvania->
  7. 7.Oklahoma (2 loans)Menchie's lenders in Oklahoma->
  8. 8.Tennessee (2 loans)Menchie's lenders in Tennessee->

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Common questions

How much does a Menchie's cost to buy or open?

The typical deal for Menchie's is $250K across 39 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.

How risky is Menchie's?

0% of Menchie's'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 Menchie's with an SBA loan?

Yes — Menchie's has been SBA-financed 7 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Menchie's franchise

Most Menchie's 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 Menchie's deal financed for $250K, which points to about $28K of buyer cash on a typical purchase. Menchie's is listed in the SBA Franchise Directory (identifier S1103), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Menchie's — 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 Menchie's — 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 Menchie's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Menchie's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 39 SBA 7(a) deals since 2020
  • $250K typical deal
  • 7 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1103)
  • Top lenders: The Huntington National Bank, HomeTrust Bank, Citizens 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 2026-07-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/menchie-s
API:
https://www.capbench.com/api/public/franchises/menchie-s
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 Menchie's.

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