Food & Restaurants · lender intelligence

How to finance a Apple SpiceTM

State:

The SBA 7(a) lenders funding the most Apple SpiceTM deals, ranked from public loan records — typical Apple SpiceTM loan about $379K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Apple SpiceTM

$379K

Typical loan

range $250K–$460K

$421K

Est. purchase price

≈ loan ÷ 90%

$56,280

Cash to close

$42,078 down + fees

$4,900/mo

Typical payment

~9.5% · 10yr

$67,620/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

58 days

Typical time to fund

Lenders competing

more = leverage

7.59%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Apple SpiceTM

Ranked by funded Apple SpiceTM loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.116 loans · $120M · Evansville, INFull record →
3.1 loans · $5M · Cambridge, MAFull record →
4.62 loans · $21M · Saint Cloud, MNFull record →
5.75 loans · $98M · Sioux Falls, SDFull record →

8+ funded Apple SpiceTM deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

TZN Group LLC in Minneapolis, MN — $379K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$284K (75%)
Approved
12/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TZN Group LLC in Minneapolis, MN — $250K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approved
12/19/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TZN Group LLC in Minneapolis, MN — $663K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$497K (75%)
Approval → funding
14 days
Approved
9/21/2022
First disbursed
10/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TZN Group LLC in Minneapolis, MN — $100K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
14 days
Approved
9/21/2022
First disbursed
10/5/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Calvert Catering, Inc. in Fresno, CA — $460K (2020) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$345K (75%)
Approval → funding
223 days
Approved
4/21/2020
First disbursed
11/30/2020
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
JELD Partners Inc. in Frazer, PA — $386K (2020) · Old National Bank
Program
7a General
Rate at approval
5.72% variable
Term
123 months
SBA guaranteed
$290K (75%)
Approval → funding
14 days
Approved
9/16/2020
First disbursed
9/30/2020
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
33
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Boston Box Lunch and Catering in Woburn, MA — $325K (2020) · East Cambridge Savings Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
72 mo (6 yrs)
SBA guaranteed
$163K (50%)
Approval → funding
58 days
Approved
10/9/2019
First disbursed
12/6/2019
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by East Cambridge Savings Bank · Lender record →
Your business? Claim this record · Request removal
FAIR FAM CORP. in Hicksville, NY — $115K (2020) · Stearns Bank National Association
Program
7a General
Rate at approval
7.5% variable
Term
121 months
SBA guaranteed
$98K (85%)
Approval → funding
92 days
Approved
12/30/2019
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Caterers
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Apple SpiceTM? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Apple SpiceTM businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Apple SpiceTM purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

$379K typical Apple SpiceTM loan
5 lenders fund the brand
58 days typical to fund

Buyers researching a Apple SpiceTM typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Apple SpiceTM record

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/lenders/franchise/apple-spicetm
API:: https://www.capbench.com/api/public/lenders?franchise=apple-spicetm
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.