Tierra Encantada, 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 S4177)

3 deals since 2020 · typical deal $2.1M

Deals since 2020

$2.1M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Tierra Encantada has 3 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 Tierra Encantada

Most Tierra Encantada deals financed between $653K and $2.33M. Above $2.33M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.13M

Monthly payment (10-yr): $27,789
Down payment (10%): $236K
Cash to close (all-in): $325K

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 ~$325K)

Experience

Recent financings

TE EDUCATION LLC in Houston, TX — $2.1M (2026) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$1.6M (75%)
Approval → funding
5 days
Approved
1/9/2026
First disbursed
1/14/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Startup, Loan Funds will Open Business
Industry
Child Care Services
Funded by Stearns Bank National Association · Lender record →
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Tierra Encantada - Bloomington LLC in Minneapolis, MN — $2.3M (2025) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
8.25% fixed
Term
127 months
SBA guaranteed
$1.7M (75%)
Approval → funding
54 days
Approved
9/5/2025
First disbursed
10/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Child Care Services
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
Kairos LLC in Hopkins, MN — $653K (2021) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
108 mo (9 yrs)
SBA guaranteed
$588K (90%)
Approval → funding
2 days
Approved
3/1/2021
First disbursed
3/3/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
New Business or 2 years or less
Industry
Child Day Care Services
Funded by Northeast Bank · Lender record →
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Who funds Tierra Encantada — and where

Every dot is a financed Tierra Encantada — 3 mapped.

Financed Tierra Encantada locations — list all 3 as text

Kairos LLC — Hopkins · $653K · FY2021 · Child Day Care Services
Tierra Encantada - Bloomington LLC — Minneapolis · $2.3M · FY2025 · Child Care Services
TE EDUCATION LLC — Houston · $2.1M · FY2026 · Child Care Services

Top lenders for this brand

Most active states

1.Minnesota (2 loans)
2.Texas (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Tierra Encantada 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Tierra Encantada lending specialist.

Common questions

How much does a Tierra Encantada cost to buy or open?

The typical deal for Tierra Encantada is $2.1M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $234K of buyer cash on a typical deal.

How risky is Tierra Encantada?

Tierra Encantada has 3 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 Tierra Encantada with an SBA loan?

Yes — Tierra Encantada 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 Tierra Encantada franchise

Most Tierra Encantada 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 Tierra Encantada deal financed for $2.1M, which points to about $234K of buyer cash on a typical purchase. Tierra Encantada is listed in the SBA Franchise Directory (identifier S4177), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Tierra Encantada — 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 Tierra Encantada — 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 Tierra Encantada — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Tierra Encantada is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

3 SBA 7(a) deals since 2020
$2.1M typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S4177)
Top lenders: Northeast Bank, Stearns Bank National Association

Next steps

Check SBA fit Find 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/tierra-encantada
API:: https://www.capbench.com/api/public/franchises/tierra-encantada
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 Tierra Encantada.