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The Spice & Tea Exchange, by the numbers

The Spice & Tea Exchange appears in 21 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 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

The Spice & Tea Exchange has 21 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 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
  • Delpar Stone LLC in Frankenmuth, MI — $210K (2025) · First Bank of the Lake
  • STIR VENTURES, LLC in Hudson, OH — $200K (2025) · The Huntington National Bank
  • JKLM COLLECTIVE INC in Noblesville, IN — $50K (2025) · The Huntington National Bank
  • STIR VENTURES, LLC in Hudson, OH — $50K (2025) · The Huntington National Bank
  • MAVRICK SPICE, LLC in New Canaan, CT — $500K (2024) · Readycap Lending, LLC
  • Bentonville S&TE, LLC in Bentonville, AR — $260K (2024) · ACC Capital
  • THE SEASONING SHOPPE, LLC in New Albany, IN — $350K (2023) · First Merchants Bank
  • Team MPMunroe, Inc. in Rochester, MI — $350K (2022) · The Huntington National Bank
  • SKRW New Leaf Ventures, LLC in Chagrin Falls, OH — $310K (2022) · The Huntington National Bank

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

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The Spice & Tea Exchange brand mark

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

Top lenders for this brand

  1. 1.The Huntington National Bank(9)
  2. 2.First Bank of the Lake(2)
  3. 3.Manufacturers and Traders Trust Company(2)
  4. 4.Stearns Bank National Association(2)
  5. 5.Cogent Bank(1)

Most active states

  1. 1.Ohio (5 loans)The Spice & Tea Exchange lenders in Ohio->
  2. 2.Indiana (3 loans)The Spice & Tea Exchange lenders in Indiana->
  3. 3.Michigan (3 loans)The Spice & Tea Exchange lenders in Michigan->
  4. 4.Florida (2 loans)The Spice & Tea Exchange lenders in Florida->
  5. 5.Maryland (2 loans)The Spice & Tea Exchange lenders in Maryland->
  6. 6.Arkansas (1 loans)The Spice & Tea Exchange lenders in Arkansas->
  7. 7.Connecticut (1 loans)The Spice & Tea Exchange lenders in Connecticut->
  8. 8.Arizona (1 loans)The Spice & Tea Exchange lenders in Arizona->

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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

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 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/the-spice-tea-exchange
API:
https://www.capbench.com/api/public/franchises/the-spice-tea-exchange
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.

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