Food & Restaurants · lender intelligence

How to finance a Beans & Brews Coffee House

State:

The SBA 7(a) lenders funding the most Beans & Brews Coffee House deals, ranked from public loan records — typical Beans & Brews Coffee House loan about $491K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Beans & Brews Coffee House

$491K

Typical loan

range $350K–$584K

$546K

Est. purchase price

≈ loan ÷ 90%

$72,969

Cash to close

$54,556 down + fees

$6,353/mo

Typical payment

~9.5% · 10yr

$87,671/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

8.4%

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 Beans & Brews Coffee House

Ranked by funded Beans & Brews Coffee House 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 →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.23 loans · $21M · Greenwood Village, COFull record →
4.103 loans · $64M · Indiana, PAFull record →
5.24 loans · $21M · Raleigh, NCFull record →
6.242 loans · $281M · Chicago, ILFull record →
7.618 loans · $171M · Salt Lake City, UTFull record →
8.318 loans · $229M · Osage Beach, MOFull record →

14+ funded Beans & Brews Coffee House 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.

JETAA BREW HOUSE INC in Melissa, TX — $798K (2026) · North State Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
126 months
SBA guaranteed
$599K (75%)
Approved
3/13/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
GLOYER GROUNDS, INC. in Conroe, TX — $584K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$438K (75%)
Approved
1/9/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
GLOYER GROUNDS, INC. in Conroe, TX — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/9/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Beans & Brews Coffee House in Katy, TX — $750K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
7 days
Approved
10/8/2024
First disbursed
10/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Junebug Coffee & Creations, LLC in Logan, UT — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$375K (75%)
Approval → funding
7 days
Approved
10/2/2024
First disbursed
10/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
52
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BAGD Ventures Inc. in Colorado Springs, CO — $491K (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$368K (75%)
Approval → funding
78 days
Approved
8/14/2025
First disbursed
10/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
LATTE LIVING, LLC in Harrisville, UT — $450K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$338K (75%)
Approval → funding
21 days
Approved
5/8/2025
First disbursed
5/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Thanks a Latte No. 1, LLC in Englewood, CO — $300K (2024) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
9.15% variable
Term
132 mo (11 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
32 days
Approved
4/24/2024
First disbursed
5/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Evys Shop Vegas LLC in Las Vegas, NV — $648K (2023) · Community Banks of Colorado, A Division of NBH Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
125 months
SBA guaranteed
$486K (75%)
Approval → funding
78 days
Approved
11/30/2022
First disbursed
2/16/2023
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
Evy's Shop LLC in West Haven, UT — $460K (2022) · Community Banks of Colorado, A Division of NBH Bank
Program
7a General
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$345K (75%)
Approval → funding
10 days
Approved
3/7/2022
First disbursed
3/17/2022
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
The Maxon Brothers, Co in Santa Clara, UT — $455K (2022) · Utah First FCU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$341K (75%)
Approval → funding
13 days
Approved
12/17/2021
First disbursed
12/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Utah First FCU
Your business? Claim this record · Request removal
Rockem Saukem LLC in Orem, UT — $500K (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
125 months
SBA guaranteed
$450K (90%)
Approval → funding
18 days
Approved
8/13/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Rockem Saukem LLC in Saratoga Springs, UT — $350K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
20 days
Approved
12/11/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,064
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Rockem Saukem LLC in Saratoga Springs, UT — $25K (2020) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
20 days
Approved
12/11/2019
First disbursed
12/31/2019
Loan status
Paid in full (1/31/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$287
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Beans & Brews Coffee House? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Beans & Brews Coffee House businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Beans & Brews Coffee House 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.

$491K typical Beans & Brews Coffee House loan
9 lenders fund the brand
20 days typical to fund

Buyers researching a Beans & Brews Coffee House 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 Beans & Brews Coffee House record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/beans-brews-coffee-house
API:: https://www.capbench.com/api/public/lenders?franchise=beans-brews-coffee-house
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.