Nestle Toll House Cafe by Chip, 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 S1188)

5 deals since 2020 · typical deal $170K

Deals since 2020

$170K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Nestle Toll House Cafe by Chip has 5 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Nestle Toll House Cafe by Chip

Most Nestle Toll House Cafe by Chip deals financed between $150K and $425K. Above $425K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$170K

Monthly payment (10-yr): $2,513
Down payment (10%): $19K
Cash to close (all-in): $25K

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 ~$25K)

Experience

Recent financings

KNB Legacy, LLC in Prosper, TX — $150K (2023) · Lendistry SBLC, LLC
Program
7a General
Rate at approval
10.75% variable
Term
98 months
SBA guaranteed
$128K (85%)
Approval → funding
21 days
Approved
3/3/2023
First disbursed
3/24/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Lendistry SBLC, LLC · Lender record →
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3Jays Enterprise LLC in Boerne, TX — $125K (2022) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.7% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$63K (50%)
Approval → funding
36 days
Approved
11/22/2021
First disbursed
12/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Nestle Toll House Cafe in Universal City, TX — $653K (2020) · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$490K (75%)
Approval → funding
403 days
Approved
5/21/2020
First disbursed
6/28/2021
Loan status
Failed — $487K charged off (4/23/2025)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
44
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
PRSP Business Ventures LLC in Avon, CT — $425K (2020) · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
90 months
SBA guaranteed
$319K (75%)
Approval → funding
321 days
Approved
11/14/2019
First disbursed
9/30/2020
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Unanswered
Industry
Limited-Service Restaurants
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
Ohanyan LLC in Sherman Oaks, CA — $170K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (75%)
Approval → funding
29 days
Approved
12/2/2019
First disbursed
12/31/2019
Loan status
Paid in full (9/30/2021)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Unanswered
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal

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Who funds Nestle Toll House Cafe by Chip — and where

Every dot is a financed Nestle Toll House Cafe by Chip — 5 mapped.

Financed Nestle Toll House Cafe by Chip locations — list all 5 as text

KNB Legacy, LLC — Prosper · $150K · FY2023 · Snack and Nonalcoholic Beverage Bars
Nestle Toll House Cafe — Universal City · $653K · FY2020 · Limited-Service Restaurants
PRSP Business Ventures LLC — Avon · $425K · FY2020 · Limited-Service Restaurants
Ohanyan LLC — Sherman Oaks · $170K · FY2020 · Limited-Service Restaurants
3Jays Enterprise LLC — Boerne · $125K · FY2022 · Snack and Nonalcoholic Beverage Bars

Top lenders for this brand

1.Lendistry SBLC, LLC(1)
2.Midwest Regional Bank(1)
3.Webster Bank National Association(1)
4.Newtek Small Business Finance, Inc. (1)
5.JPMorgan Chase Bank, National Association (1)

Most active states

1.Texas (3 loans)
2.Connecticut (1 loans)
3.California (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Nestle Toll House Cafe by Chip 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Nestle Toll House Cafe by Chip lending specialist.

Common questions

How much does a Nestle Toll House Cafe by Chip cost to buy or open?

The typical deal for Nestle Toll House Cafe by Chip is $170K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $19K of buyer cash on a typical deal.

How risky is Nestle Toll House Cafe by Chip?

Nestle Toll House Cafe by Chip 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 Nestle Toll House Cafe by Chip with an SBA loan?

Yes — Nestle Toll House Cafe by Chip 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 Nestle Toll House Cafe by Chip franchise

Most Nestle Toll House Cafe by Chip 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 Nestle Toll House Cafe by Chip deal financed for $170K, which points to about $19K of buyer cash on a typical purchase. Nestle Toll House Cafe by Chip is listed in the SBA Franchise Directory (identifier S1188), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Nestle Toll House Cafe by Chip — 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 Nestle Toll House Cafe by Chip — 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 Nestle Toll House Cafe by Chip — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Nestle Toll House Cafe by Chip 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
$170K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1188)
Top lenders: Lendistry SBLC, LLC, Midwest Regional Bank, Webster Bank National Association

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/nestle-toll-house-cafe-by-chip
API:: https://www.capbench.com/api/public/franchises/nestle-toll-house-cafe-by-chip
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 Nestle Toll House Cafe by Chip.