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Tim Hortons, 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 S1797)

8 deals since 2020 · typical deal $832K

8

Deals since 2020

$832K

Typical deal

2

Deals since FY2025

—

Too few deals to score risk

Tim Hortons has 8 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 Tim Hortons

Most Tim Hortons deals financed between $362K and $1.98M. Above $1.98M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$10,880
Down payment (10%)
$92K
Cash to close (all-in)
$127K

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 ~$127K)

Experience

Recent financings

  • Glasgow Tim Hortons, LLC in Newark, DE — $3.4M (2025) · Fulton Bank, National Association
  • East VA Enterprises LLC in Norfolk, VA — $832K (2025) · Bank of Hope
  • COLONIA CAFE & BAKE, LLC in Colonia, NJ — $2.0M (2024) · Hanover Community Bank
  • Tim Hortons in Pennsauken, NJ — $1.7M (2024) · First Merchants Bank
  • Timbit, LLC in Bay City, MI — $266K (2024) · Isabella Bank
  • Holland Brewing Company, Inc. in South Wales, NY — $700K (2021) · Citizens Bank, National Association
  • TwoCan Inc in Midland, MI — $362K (2020) · Isabella Bank
  • Boniko, LLC in Bay City, MI — $362K (2020) · Isabella Bank

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

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Tim Hortons brand mark

Who funds Tim Hortons — and where

Every dot is a financed Tim Hortons — 8 mapped.

Financed Tim Hortons locations — list all 8 as text

Top lenders for this brand

  1. 1.Isabella Bank(3)
  2. 2.First Merchants Bank(1)
  3. 3.Fulton Bank, National Association(1)
  4. 4.Hanover Community Bank(1)
  5. 5.Bank of Hope(1)

Most active states

  1. 1.Michigan (3 loans)
  2. 2.New Jersey (2 loans)
  3. 3.Delaware (1 loans)
  4. 4.Virginia (1 loans)
  5. 5.New York (1 loans)

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Common questions

How much does a Tim Hortons cost to buy or open?

The typical deal for Tim Hortons is $832K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $92K of buyer cash on a typical deal.

How risky is Tim Hortons?

Tim Hortons has 8 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 Tim Hortons with an SBA loan?

Yes — Tim Hortons 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 Tim Hortons franchise

Most Tim Hortons 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 Tim Hortons deal financed for $832K, which points to about $92K of buyer cash on a typical purchase. Tim Hortons is listed in the SBA Franchise Directory (identifier S1797), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Tim Hortons — 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 Tim Hortons — 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 Tim Hortons — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Tim Hortons is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 8 SBA 7(a) deals since 2020
  • $832K typical deal
  • 2 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S1797)
  • Top lenders: Isabella Bank, First Merchants Bank, Fulton Bank, 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/tim-hortons
API:
https://www.capbench.com/api/public/franchises/tim-hortons
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 Tim Hortons.

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