Winans Chocolates + Coffees, 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 S3323)

3 deals since 2020 · typical deal $50K

Deals since 2020

$50K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Winans Chocolates + Coffees 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 Winans Chocolates + Coffees

Most Winans Chocolates + Coffees deals financed between $50K and $400K. Above $400K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$50K

Monthly payment (10-yr): $754
Down payment (10%): $6K
Cash to close (all-in): $7K

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 ~$7K)

Experience

Recent financings

Short North Coffee + Chocolate LLC in Columbus, OH — $400K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
7 days
Approved
9/15/2023
First disbursed
9/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
COLUMBUS CHOCOLATES & COFFEES LLC in Columbus, OH — $50K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
9 days
Approved
7/25/2023
First disbursed
8/3/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
COLUMBUS CHOCOLATES & COFFEES LLC in Columbus, OH — $50K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
9 days
Approved
7/25/2023
First disbursed
8/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds Winans Chocolates + Coffees — and where

Every dot is a financed Winans Chocolates + Coffees — 3 mapped.

Financed Winans Chocolates + Coffees locations — list all 3 as text

Short North Coffee + Chocolate LLC — Columbus · $400K · FY2023 · Snack and Nonalcoholic Beverage Bars
COLUMBUS CHOCOLATES & COFFEES LLC — Columbus · $50K · FY2023 · Limited-Service Restaurants
COLUMBUS CHOCOLATES & COFFEES LLC — Columbus · $50K · FY2023 · Limited-Service Restaurants

Top lenders for this brand

1.The Huntington National Bank(3)

Most active states

1.Ohio (3 loans)

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Insider move

Start with the lenders above — a bank that's funded Winans Chocolates + Coffees 3 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 Winans Chocolates + Coffees lending specialist.

Common questions

How much does a Winans Chocolates + Coffees cost to buy or open?

The typical deal for Winans Chocolates + Coffees is $50K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $6K of buyer cash on a typical deal.

How risky is Winans Chocolates + Coffees?

Winans Chocolates + Coffees 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 Winans Chocolates + Coffees with an SBA loan?

Yes — Winans Chocolates + Coffees has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Winans Chocolates + Coffees franchise

Most Winans Chocolates + Coffees 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 Winans Chocolates + Coffees deal financed for $50K, which points to about $6K of buyer cash on a typical purchase. Winans Chocolates + Coffees is listed in the SBA Franchise Directory (identifier S3323), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Winans Chocolates + Coffees — 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 Winans Chocolates + Coffees — 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 Winans Chocolates + Coffees — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Winans Chocolates + Coffees 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
$50K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S3323)
Top lenders: The Huntington National Bank

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/winans-chocolates-coffees
API:: https://www.capbench.com/api/public/franchises/winans-chocolates-coffees
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 Winans Chocolates + Coffees.