The Spice & Tea Exchange, 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 S1784)
21 deals since 2020 · typical deal $247K
21
Deals since 2020
$247K
Typical deal
5
Deals since FY2025
—
Too few deals to score risk
What buyers pay for The Spice & Tea Exchange
Most The Spice & Tea Exchange deals financed between $150K and $310K. Above $310K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,652
- Down payment (10%)
- $27K
- Cash to close (all-in)
- $37K
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 ~$37K)
Experience
Recent financings
- JKLM COLLECTIVE INC in Noblesville, IN — $350K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 3 days
- Approved
- 8/19/2025
- First disbursed
- 8/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
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- Delpar Stone LLC in Frankenmuth, MI — $210K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 22 days
- Approved
- 11/5/2024
- First disbursed
- 11/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- All Other Specialty Food Retailers
Funded by First Bank of the Lake · Lender record →
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- STIR VENTURES, LLC in Hudson, OH — $200K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 2 days
- Approved
- 11/12/2024
- First disbursed
- 11/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
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- JKLM COLLECTIVE INC in Noblesville, IN — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 8/19/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- STIR VENTURES, LLC in Hudson, OH — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 238 days
- Approved
- 11/12/2024
- First disbursed
- 7/8/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
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- MAVRICK SPICE, LLC in New Canaan, CT — $500K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 125 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 71 days
- Approved
- 11/15/2023
- First disbursed
- 1/25/2024
- Loan status
- Current
- 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
- All Other Specialty Food Retailers
Funded by Readycap Lending, LLC · Lender record →
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- Bentonville S&TE, LLC in Bentonville, AR — $260K (2024) · ACC Capital
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approved
- 7/9/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by ACC Capital · Lender record →
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- THE SEASONING SHOPPE, LLC in New Albany, IN — $350K (2023) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 125 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 22 days
- Approved
- 3/9/2023
- First disbursed
- 3/31/2023
- 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
- All Other Specialty Food Retailers
Funded by First Merchants Bank · Lender record →
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- Team MPMunroe, Inc. in Rochester, MI — $350K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 2 days
- Approved
- 8/1/2022
- First disbursed
- 8/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Retailers
Funded by The Huntington National Bank · Lender record →
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- SKRW New Leaf Ventures, LLC in Chagrin Falls, OH — $310K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $233K (75%)
- Approval → funding
- 7 days
- Approved
- 4/5/2022
- First disbursed
- 4/12/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- 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 The Spice & Tea Exchange — and where
Every dot is a financed The Spice & Tea Exchange — 21 mapped.
Financed The Spice & Tea Exchange locations — list all 21 as text
- Una Vida Bendecida LLC — Fernandina Beach · $241K · FY2021 · Spice and Extract Manufacturing
- Phynix Enterprise LLC — Panama City Beach · $365K · FY2021 · Gift, Novelty, and Souvenir Stores
- THE SEASONING SHOPPE, LLC — New Albany · $350K · FY2023 · All Other Specialty Food Retailers
- Bentonville S&TE, LLC — Bentonville · $260K · FY2024 · All Other Specialty Food Retailers
- JKLM COLLECTIVE INC — Noblesville · $50K · FY2025 · All Other Specialty Food Retailers
- JKLM COLLECTIVE INC — Noblesville · $350K · FY2025 · All Other Specialty Food Retailers
- Team MPMunroe, Inc. — Rochester · $350K · FY2022 · All Other Miscellaneous Retailers
- Team MPMunroe, Inc. — Rochester · $30K · FY2022 · All Other Miscellaneous Retailers
- ST Mattis Enterprises LLC — Baltimore · $256K · FY2022 · All Other Specialty Food Retailers
- ST Mattis Enterprises LLC — Baltimore · $30K · FY2022 · All Other Specialty Food Retailers
- Delpar Stone LLC — Frankenmuth · $210K · FY2025 · All Other Specialty Food Retailers
- STIR VENTURES, LLC — Hudson · $50K · FY2025 · All Other Specialty Food Retailers
- STIR VENTURES, LLC — Hudson · $200K · FY2025 · All Other Specialty Food Retailers
- MAVRICK SPICE, LLC — New Canaan · $500K · FY2024 · All Other Specialty Food Retailers
- World Flavor LLC — Columbus · $247K · FY2020 · All Other Specialty Food Stores
- SPLS HOLDINGS, LLC — Scottsdale · $150K · FY2020 · All Other Specialty Food Stores
- Duluth- Spice & Teaz LLC — Duluth · $290K · FY2022 · All Other Specialty Food Stores
- SKRW New Leaf Ventures, LLC — Chagrin Falls · $40K · FY2022 · Snack and Nonalcoholic Beverage Bars
- SKRW New Leaf Ventures, LLC — Chagrin Falls · $310K · FY2022 · Snack and Nonalcoholic Beverage Bars
- The Spice and Tea Exchange of Kannapolis — Kannapolis · $230K · FY2021 · All Other Specialty Food Stores
- Music City Spice LLC — Nashville · $300K · FY2021 · All Other Specialty Food Stores
Top lenders for this brand
Most active states
- 1.Ohio (5 loans)
- 2.Indiana (3 loans)
- 3.Michigan (3 loans)
- 4.Florida (2 loans)
- 5.Maryland (2 loans)
- 6.Arkansas (1 loans)
- 7.Connecticut (1 loans)
- 8.Arizona (1 loans)
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Common questions
How much does a The Spice & Tea Exchange cost to buy or open?
The typical deal for The Spice & Tea Exchange is $247K across 21 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $27K of buyer cash on a typical deal.
How risky is The Spice & Tea Exchange?
The Spice & Tea Exchange has 21 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 Spice & Tea Exchange with an SBA loan?
Yes — The Spice & Tea Exchange has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a The Spice & Tea Exchange franchise
Most The Spice & Tea Exchange 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 Spice & Tea Exchange deal financed for $247K, which points to about $27K of buyer cash on a typical purchase. The Spice & Tea Exchange is listed in the SBA Franchise Directory (identifier S1784), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Spice & Tea Exchange — 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 Spice & Tea Exchange — 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 Spice & Tea Exchange — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Spice & Tea Exchange is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 21 SBA 7(a) deals since 2020
- $247K typical deal
- 5 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1784)
- Top lenders: The Huntington National Bank, First Bank of the Lake, Manufacturers and Traders Trust Company
- 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 Spice & Tea Exchange.