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The Human Bean, 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 S1763)

32 deals since 2020 · typical deal $707K · 15.38% failure rate

32

Deals since 2020

$707K

Typical deal

2

Deals since FY2025

15.38%

Failure rate (FY20–23)

15.38% of The Human Bean's FY2020–23 deals failed — well above typical. Price that risk into your offer and your reserves.

What buyers pay for The Human Bean

Most The Human Bean deals financed between $304K and $965K. Above $965K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$9,245
Down payment (10%)
$79K
Cash to close (all-in)
$108K

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 ~$108K)

Experience

Recent financings

  • CLEHB PARMA LLC in Parma, OH — $1.3M (2026) · Heritage Bank Inc
  • Grounded Investments LLC in Winter Springs, FL — $1.2M (2025) · Hancock Whitney Bank
  • MRJ Coffee Co. in Columbus, GA — $1.5M (2024) · Port 51 Lending LLC
  • Ren Holdings LLC in Sioux Falls, SD — $998K (2024) · The First National Bank in Sioux Falls
  • THE HUMAN BEAN in Mentor, OH — $920K (2024) · The Huntington National Bank
  • JMJB, LLC in San Antonio, TX — $304K (2024) · Prosperity Bank
  • Pine Roots Properties, LLC in Woodland Park, CO — $1.8M (2023) · Columbia Bank
  • Family N Family Finance LLC in Bedford Heights, OH — $980K (2023) · The Huntington National Bank
  • Muggle Bean, Inc. in Riverton, UT — $965K (2023) · United Community Bank
  • Fix N' Sips Coffee Corp. in Cambridge, OH — $946K (2023) · The Huntington National Bank

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

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The Human Bean brand mark

Who funds The Human Bean — and where

Every dot is a financed The Human Bean — 32 mapped.

Financed The Human Bean locations — list all 32 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(6)
  2. 2.Columbia Bank(4)
  3. 3.KeyBank National Association(3)
  4. 4.Idaho Central CU(3)
  5. 5.Prosperity Bank(2)

Most active states

  1. 1.Ohio (7 loans)
  2. 2.Texas (6 loans)
  3. 3.Washington (5 loans)
  4. 4.Idaho (3 loans)
  5. 5.Florida (2 loans)
  6. 6.Georgia (2 loans)
  7. 7.Indiana (1 loans)
  8. 8.Arizona (1 loans)

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Common questions

How much does a The Human Bean cost to buy or open?

The typical deal for The Human Bean is $707K across 32 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $78K of buyer cash on a typical deal.

How risky is The Human Bean?

15.38% of The Human Bean's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a The Human Bean with an SBA loan?

Yes — The Human Bean has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a The Human Bean franchise

Most The Human Bean 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 Human Bean deal financed for $707K, which points to about $78K of buyer cash on a typical purchase. The Human Bean is listed in the SBA Franchise Directory (identifier S1763), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Human Bean — 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 Human Bean — 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 Human Bean — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Human Bean is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 32 SBA 7(a) deals since 2020
  • $707K typical deal
  • 2 deals since FY2025
  • 15.38% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1763)
  • Top lenders: The Huntington National Bank, Columbia Bank, KeyBank 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/the-human-bean
API:
https://www.capbench.com/api/public/franchises/the-human-bean
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 Human Bean.

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