The Alley, 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 S7525)
6 deals since 2020 · typical deal $627K
6
Deals since 2020
$627K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for The Alley
Most The Alley deals financed between $442K and $754K. Above $754K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,193
- Down payment (10%)
- $70K
- Cash to close (all-in)
- $93K
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 ~$93K)
Experience
Recent financings
- Thong Thai Capital Holdings LLC in Houston, TX — $305K (2025) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $229K (75%)
- Approval → funding
- 63 days
- Approved
- 5/6/2025
- First disbursed
- 7/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Wallis Bank · Lender record →
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- The Alley in Honolulu, HI — $842K (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $632K (75%)
- Approval → funding
- 39 days
- Approved
- 2/17/2024
- First disbursed
- 3/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $936K
- Est. down payment (10%)
- $94K
- Est. cash at closing
- $128K
- Monthly payment
- $11,838
- Annual debt service
- $142K
- Cash flow needed (1.25×)
- $178K
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 Celtic Bank Corporation · Lender record →
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- MWKEL LLC in Arlington, TX — $627K (2024) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $470K (75%)
- Approval → funding
- 153 days
- Approved
- 12/15/2023
- First disbursed
- 5/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Frost Bank · Lender record →
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- HN CAFE LLC in Quincy, MA — $754K (2023) · First Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $566K (75%)
- Approval → funding
- 214 days
- Approved
- 5/19/2023
- First disbursed
- 12/19/2023
- 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
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Business Bank · Lender record →
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- The Alley Fountain Valley in Fountain Valley, CA — $499K (2023) · purchase · Mission Valley Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 13 days
- Approved
- 6/28/2023
- First disbursed
- 7/11/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $554K
- Est. down payment (10%)
- $55K
- Est. cash at closing
- $74K
- Monthly payment
- $6,664
- Annual debt service
- $80K
- Cash flow needed (1.25×)
- $100K
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 Mission Valley Bank · Lender record →
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- TeaHoWan LLC in Irvine, CA — $442K (2023) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $332K (75%)
- Approval → funding
- 8 days
- Approved
- 4/26/2023
- First disbursed
- 5/4/2023
- Loan status
- Paid in full (5/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
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Who funds The Alley — and where
Every dot is a financed The Alley — 6 mapped.
Financed The Alley locations — list all 6 as text
- Thong Thai Capital Holdings LLC — Houston · $305K · FY2025 · Limited-Service Restaurants
- The Alley — Honolulu · $842K · FY2024 · Snack and Nonalcoholic Beverage Bars
- MWKEL LLC — Arlington · $627K · FY2024 · Limited-Service Restaurants
- TeaHoWan LLC — Irvine · $442K · FY2023 · Snack and Nonalcoholic Beverage Bars
- HN CAFE LLC — Quincy · $754K · FY2023 · Snack and Nonalcoholic Beverage Bars
- The Alley Fountain Valley — Fountain Valley · $499K · FY2023 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Texas (2 loans)
- 2.California (2 loans)
- 3.Hawaii (1 loans)
- 4.Massachusetts (1 loans)
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Common questions
How much does a The Alley cost to buy or open?
The typical deal for The Alley is $627K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $69K of buyer cash on a typical deal.
How risky is The Alley?
The Alley has 6 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 The Alley with an SBA loan?
Yes — The Alley 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 The Alley franchise
Most The Alley 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 The Alley deal financed for $627K, which points to about $69K of buyer cash on a typical purchase. The Alley is listed in the SBA Franchise Directory (identifier S7525), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Alley — 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 The Alley — 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 The Alley — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Alley is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 6 SBA 7(a) deals since 2020
- $627K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7525)
- Top lenders: Wallis Bank, Celtic Bank Corporation, Frost Bank
- 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.
- 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 The Alley.