Sweetwaters Coffee & Tea, by the numbers
Sweetwaters Coffee & Tea appears in 8 SBA 7(a) loans since 2020 — 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 S2091)
8 deals since 2020 · typical deal $455K
8
Deals since 2020
$455K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Sweetwaters Coffee & Tea
Most Sweetwaters Coffee & Tea deals financed between $406K and $505K. Above $505K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,944
- Down payment (10%)
- $51K
- Cash to close (all-in)
- $68K
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 ~$68K)
Experience
Recent financings
- Sweetwaters Coffee & Tea in Columbia, SC — $220K (2025) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $165K (75%)
- Approval → funding
- 49 days
- Approved
- 6/25/2025
- First disbursed
- 8/13/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by SouthState Bank, National Association · Lender record →
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- SS & AA Group, LLC in Naperville, IL — $525K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 40 days
- Approved
- 4/21/2020
- First disbursed
- 5/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- S&J Sweetwaters of New Albany LLC in Columbus, OH — $505K (2020) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $378K (75%)
- Approval → funding
- 98 days
- Approved
- 4/24/2020
- First disbursed
- 7/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Commonwealth Bank · Lender record →
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- SandRex Corp in Austin, TX — $500K (2020) · Midwest Regional Bank
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 128 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 199 days
- Approved
- 11/14/2019
- First disbursed
- 5/31/2020
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Midwest Regional Bank · Lender record →
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- AJA Management LLC in Asbury Park, NJ — $455K (2020) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 2% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 57 days
- Approved
- 11/4/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (1/31/2023)
- 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 Wells Fargo Bank National Association · Lender record →
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- Jason Rooney Franchising LLC in Saint Louis, MO — $413K (2020) · Southern Bank
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 88 months
- SBA guaranteed
- $310K (75%)
- Approval → funding
- 142 days
- Approved
- 3/11/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Southern Bank · Lender record →
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- AMAC, LLC in Frisco, TX — $406K (2020) · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 62 months
- SBA guaranteed
- $305K (75%)
- Approval → funding
- 95 days
- Approved
- 4/27/2020
- First disbursed
- 7/31/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Bank OZK · Lender record →
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- SS & AA Group, LLC in Naperville, IL — $50K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/21/2020
- Loan status
- Cancelled
- 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 The Huntington National Bank · Lender record →
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Who funds Sweetwaters Coffee & Tea — and where
Every dot is a financed Sweetwaters Coffee & Tea — 7 mapped.
Financed Sweetwaters Coffee & Tea locations — list all 7 as text
- Sweetwaters Coffee & Tea — Columbia · $220K · FY2025 · Snack and Nonalcoholic Beverage Bars
- S&J Sweetwaters of New Albany LLC — Columbus · $505K · FY2020 · Snack and Nonalcoholic Beverage Bars
- AJA Management LLC — Asbury Park · $455K · FY2020 · Snack and Nonalcoholic Beverage Bars
- SandRex Corp — Austin · $500K · FY2020 · Snack and Nonalcoholic Beverage Bars
- Jason Rooney Franchising LLC — Saint Louis · $413K · FY2020 · Limited-Service Restaurants
- SS & AA Group, LLC — Naperville · $525K · FY2020 · Snack and Nonalcoholic Beverage Bars
- SS & AA Group, LLC — Naperville · $50K · FY2020 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Texas (2 loans)Sweetwaters Coffee & Tea lenders in Texas->
- 2.Illinois (2 loans)Sweetwaters Coffee & Tea lenders in Illinois->
- 3.South Carolina (1 loans)Sweetwaters Coffee & Tea lenders in South Carolina->
- 4.Ohio (1 loans)Sweetwaters Coffee & Tea lenders in Ohio->
- 5.New Jersey (1 loans)Sweetwaters Coffee & Tea lenders in New Jersey->
- 6.Missouri (1 loans)Sweetwaters Coffee & Tea lenders in Missouri->
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Common questions
How much does a Sweetwaters Coffee & Tea cost to buy or open?
The typical deal for Sweetwaters Coffee & Tea is $455K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $50K of buyer cash on a typical deal.
How risky is Sweetwaters Coffee & Tea?
Sweetwaters Coffee & Tea 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 Sweetwaters Coffee & Tea with an SBA loan?
Yes — Sweetwaters Coffee & Tea 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 Sweetwaters Coffee & Tea franchise
Most Sweetwaters Coffee & Tea 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 Sweetwaters Coffee & Tea deal financed for $455K, which points to about $50K of buyer cash on a typical purchase. Sweetwaters Coffee & Tea is listed in the SBA Franchise Directory (identifier S2091), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Sweetwaters Coffee & Tea — 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 Sweetwaters Coffee & Tea — 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 Sweetwaters Coffee & Tea — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Sweetwaters Coffee & Tea 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
- $455K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2091)
- Top lenders: The Huntington National Bank, SouthState Bank, National Association, First Commonwealth Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-19.
- 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 Sweetwaters Coffee & Tea.