Red Owl Coffee Company, 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 S7312)

8 deals since 2020 · typical deal $526K

Deals since 2020

$526K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Red Owl Coffee Company has 8 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 Red Owl Coffee Company

Most Red Owl Coffee Company deals financed between $340K and $1.13M. Above $1.13M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$526K

Monthly payment (10-yr): $6,877
Down payment (10%): $58K
Cash to close (all-in): $78K

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 ~$78K)

Experience

Recent financings

RO Waycross, LLC in Waycross, GA — $1.5M (2025) · Renasant Bank
Program
7a General
Rate at approval
9.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
6 days
Approved
12/13/2024
First disbursed
12/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
Good Owl, LLC in Orange Park, FL — $760K (2023) · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
9.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$570K (75%)
Approval → funding
23 days
Approved
3/8/2023
First disbursed
3/31/2023
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
3D Carwashes LLC in Jacksonville, FL — $526K (2023) · Commercial Banking Company
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$394K (75%)
Approval → funding
64 days
Approved
7/26/2023
First disbursed
9/28/2023
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 Commercial Banking Company
Your business? Claim this record · Request removal
JC Coffee, LLC in Tallahassee, FL — $350K (2023) · Commercial Banking Company
Program
7a General
Rate at approval
8.5% variable
Term
90 months
SBA guaranteed
$263K (75%)
Approval → funding
20 days
Approved
7/27/2023
First disbursed
8/16/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Commercial Banking Company
Your business? Claim this record · Request removal
AUA Management LLC in Macon, GA — $320K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
36 days
Approved
7/25/2023
First disbursed
8/30/2023
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Red Owl Hahira, Inc. in Hahira, GA — $142K (2023) · Commercial Banking Company
Program
7a General
Rate at approval
8.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$121K (85%)
Approval → funding
8 days
Approved
7/13/2023
First disbursed
7/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Commercial Banking Company
Your business? Claim this record · Request removal
DIGITL EDGE LLC in Moultrie, GA — $1.1M (2022) · Colony Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
305 months
SBA guaranteed
$845K (75%)
Approval → funding
5 days
Approved
5/29/2022
First disbursed
6/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
RO LAKEPARK LLC in Lake Park, GA — $340K (2022) · purchase · Pineland Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
8 days
Approved
9/7/2022
First disbursed
9/15/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$378K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$3,992
Annual debt service
$48K
Cash flow needed (1.25×)
$60K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pineland Bank · Lender record →
Your business? Claim this record · Request removal

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

One of these businesses yours? Claim your listing or request removal.

Free · No documents · Usually same-day

Serious about buying a Red Owl Coffee Company?

Get qualified with a franchise lending specialist before discovery day — know your number first.

Who funds Red Owl Coffee Company — and where

Every dot is a financed Red Owl Coffee Company — 8 mapped.

Financed Red Owl Coffee Company locations — list all 8 as text

Good Owl, LLC — Orange Park · $760K · FY2023 · Snack and Nonalcoholic Beverage Bars
DIGITL EDGE LLC — Moultrie · $1.1M · FY2022 · Snack and Nonalcoholic Beverage Bars
RO LAKEPARK LLC — Lake Park · $340K · FY2022 · Snack and Nonalcoholic Beverage Bars
RO Waycross, LLC — Waycross · $1.5M · FY2025 · Snack and Nonalcoholic Beverage Bars
Red Owl Hahira, Inc. — Hahira · $142K · FY2023 · Snack and Nonalcoholic Beverage Bars
AUA Management LLC — Macon · $320K · FY2023 · Snack and Nonalcoholic Beverage Bars
3D Carwashes LLC — Jacksonville · $526K · FY2023 · Snack and Nonalcoholic Beverage Bars
JC Coffee, LLC — Tallahassee · $350K · FY2023 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.Georgia (5 loans)
2.Florida (3 loans)

Represent Red Owl Coffee Company?

Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing

Insider move

Start with the lenders above — a bank that's funded Red Owl Coffee Company 3 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 Red Owl Coffee Company lending specialist.

Common questions

How much does a Red Owl Coffee Company cost to buy or open?

The typical deal for Red Owl Coffee Company is $526K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $58K of buyer cash on a typical deal.

How risky is Red Owl Coffee Company?

Red Owl Coffee Company has 8 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 Red Owl Coffee Company with an SBA loan?

Yes — Red Owl Coffee Company has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Red Owl Coffee Company franchise

Most Red Owl Coffee Company 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 Red Owl Coffee Company deal financed for $526K, which points to about $58K of buyer cash on a typical purchase. Red Owl Coffee Company is listed in the SBA Franchise Directory (identifier S7312), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Red Owl Coffee Company — 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 Red Owl Coffee Company — 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 Red Owl Coffee Company — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Red Owl Coffee Company is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

8 SBA 7(a) deals since 2020
$526K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S7312)
Top lenders: Commercial Banking Company, Ameris Bank, Colony Bank

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 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/red-owl-coffee-company
API:: https://www.capbench.com/api/public/franchises/red-owl-coffee-company
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.

Still have questions about buying a Red Owl Coffee Company?

Five minutes with a specialist who's seen Red Owl Coffee Company deals close answers more than an hour of searching. Free, usually same-day.

Represent Red Owl Coffee Company?

Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing Request removal

CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Red Owl Coffee Company.