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STEMTREE, 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 S3730)

10 deals since 2020 · typical deal $150K

10

Deals since 2020

$150K

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

STEMTREE has 10 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 STEMTREE

Most STEMTREE deals financed between $135K and $297K. Above $297K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,218
Down payment (10%)
$17K
Cash to close (all-in)
$21K

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 ~$21K)

Experience

Recent financings

  • ARCHANGEL DISCIPLINES LLC in Miami, FL — $297K (2023) · Lake Michigan CU
  • Subtle Surprise Venture in Columbia, MD — $303K (2021) · Wilmington Savings Fund Society FSB
  • Digital Horizons Inc. in Atlanta, GA — $200K (2021) · The Huntington National Bank
  • Digital Horizons Inc. in Mableton, GA — $150K (2021) · The Huntington National Bank
  • Four Colors Ventures, LLC in Delaware, OH — $150K (2021) · Telhio Credit Union Inc
  • AMBLER EDUCATION LLC in Carmel, IN — $120K (2021) · United Midwest Savings Bank National Association
  • V.A.D.E.R Group LLC in Westerville, OH — $309K (2020) · The Huntington National Bank
  • Shiksha Group LLC in Ashburn, VA — $135K (2020) · Wells Fargo Bank National Association
  • Shiksha Group LLC in Ashburn, VA — $135K (2020) · Wells Fargo Bank National Association
  • V.A.D.E.R Group LLC in Westerville, OH — $25K (2020) · The Huntington National Bank

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

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STEMTREE brand mark

Who funds STEMTREE — and where

Every dot is a financed STEMTREE — 10 mapped.

Financed STEMTREE locations — list all 10 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(4)
  2. 2.Wells Fargo Bank National Association(2)
  3. 3.United Midwest Savings Bank National Association(1)
  4. 4.Telhio Credit Union Inc(1)
  5. 5.Lake Michigan CU(1)

Most active states

  1. 1.Ohio (3 loans)
  2. 2.Georgia (2 loans)
  3. 3.Virginia (2 loans)
  4. 4.Indiana (1 loans)
  5. 5.Florida (1 loans)
  6. 6.Maryland (1 loans)

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Common questions

How much does a STEMTREE cost to buy or open?

The typical deal for STEMTREE is $150K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

How risky is STEMTREE?

STEMTREE has 10 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 STEMTREE with an SBA loan?

Yes — STEMTREE 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 STEMTREE franchise

Most STEMTREE 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 STEMTREE deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. STEMTREE is listed in the SBA Franchise Directory (identifier S3730), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund STEMTREE — 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 STEMTREE — 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 STEMTREE — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. STEMTREE is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 10 SBA 7(a) deals since 2020
  • $150K typical deal
  • 0 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S3730)
  • Top lenders: The Huntington National Bank, Wells Fargo Bank National Association, United Midwest Savings Bank National Association

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/stemtree
API:
https://www.capbench.com/api/public/franchises/stemtree
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 STEMTREE.

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