Food & Restaurants · lender intelligence

How to finance a Biggby Coffee

State:

The SBA 7(a) lenders funding the most Biggby Coffee deals, ranked from public loan records — typical Biggby Coffee loan about $324K, 0.79% failure rate across 189 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Biggby Coffee

$324K

Typical loan

range $180K–$463K

$360K

Est. purchase price

≈ loan ÷ 90%

$48,150

Cash to close

$36,000 down + fees

$4,463/mo

Typical payment

~11% · 10yr

$61,589/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.2%

Still performing

0.8% default · FY20–23

20 days

Typical time to fund

Lenders competing

more = leverage

7.99%

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 Biggby Coffee

Ranked by funded Biggby Coffee 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 →
2.103 loans · $64M · Indiana, PAFull record →
3.2 loans · $3M · Lansing, MIFull record →
4.318 loans · $229M · Osage Beach, MOFull record →
5.1 loans · $1M · Cuba, MOFull record →
6.328 loans · $134M · Cleveland, OHFull record →
7.15 loans · $4M · Waverly, NEFull record →
8.31 loans · $8M · South Bend, INFull record →
9.26 loans · $7M · Cottage Grove, WIFull record →
10.9 loans · $10M · Warren, PAFull record →
11.104 loans · $100M · Portsmouth, VAFull record →
12.5 loans · $1M · Saginaw, MIFull record →
13.26 loans · $42M · Chicago, ILFull record →
14.149 loans · $135M · Mukwonago, WIFull record →
15.284 loans · $254M · Cincinnati, OHFull record →
16.22 loans · $20M · Little Rock, ARFull record →
17.1 loans · $0M · Berrien Springs, MIFull record →
18.1 loans · $0M · Battle Creek, MIFull record →
19.24 loans · $21M · Raleigh, NCFull record →
20.9 loans · $10M · Waukesha, WIFull record →
21.2 loans · $2M · Scotland, SDFull record →
22.1 loans · $1M · Mount Pleasant, MIFull record →
23.5 loans · $2M · Hager City, WIFull record →
24.18 loans · $6M · Columbus Grove, OHFull record →
25.7 loans · $9M · Ann Arbor, MIFull record →

189+ funded Biggby Coffee 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.

CoffeeUp LLC in Indianapolis, IN — $450K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approved
3/18/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BIGGBY Coffee in Harrisonburg, VA — $275K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
41 days
Approved
12/18/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
BATHAWK INC. in Crown Point, IN — $50K (2026) · Horizon Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
90 months
SBA guaranteed
$43K (85%)
Approved
1/8/2026
Loan status
Committed
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 Horizon Bank · Lender record →
Your business? Claim this record · Request removal
CoffeeUp LLC in Indianapolis, IN — $25K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
3/18/2026
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
M&R Coffee, LLC in Midland, MI — $998K (2025) · purchase · Horizon Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$749K (75%)
Approval → funding
73 days
Approved
1/10/2025
First disbursed
3/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
29
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,375
Annual debt service
$149K
Cash flow needed (1.25×)
$186K
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 Horizon Bank · Lender record →
Your business? Claim this record · Request removal
Just Coffee Beans Oxford LLC in Oxford, MI — $842K (2025) · First State Bank
Program
7a General
Rate at approval
8.25% variable
Term
252 mo (21 yrs)
SBA guaranteed
$632K (75%)
Approval → funding
71 days
Approved
3/26/2025
First disbursed
6/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First State Bank · Lender record →
Your business? Claim this record · Request removal
Caffeine Cafe # 2 LLC in Port Huron, MI — $772K (2025) · The Dart Bank
Program
7a General
Rate at approval
7.5% fixed
Term
249 months
SBA guaranteed
$579K (75%)
Approval → funding
44 days
Approved
12/23/2024
First disbursed
2/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Dart Bank · Lender record →
Your business? Claim this record · Request removal
Biggby Coffee in Des Plaines, IL — $732K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
216 mo (18 yrs)
SBA guaranteed
$549K (75%)
Approval → funding
161 days
Approved
11/20/2024
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
JR Lakeshore Restaurants LLC in Stoutsville, OH — $702K (2025) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
240 mo (20 yrs)
SBA guaranteed
$527K (75%)
Approved
3/14/2025
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 Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
Harmony Coffees of Cartersville LLC in Cartersville, GA — $625K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
124 months
SBA guaranteed
$469K (75%)
Approval → funding
31 days
Approved
7/11/2025
First disbursed
8/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
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
Crus3 LLC in Columbus, OH — $593K (2025) · CFBank National Association
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$445K (75%)
Approved
1/8/2025
Loan status
Cancelled
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 CFBank National Association · Lender record →
Your business? Claim this record · Request removal
Crus3, LLC in Dublin, OH — $590K (2025) · Quaint Oak Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$443K (75%)
Approved
9/29/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Quaint Oak Bank · Lender record →
Your business? Claim this record · Request removal
BIGGBY COFFEE #1189 in East Dundee, IL — $515K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
129 months
SBA guaranteed
$386K (75%)
Approval → funding
24 days
Approved
11/22/2024
First disbursed
12/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
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
NRG ENTERPRISES LLC in Itasca, IL — $507K (2025) · FWBank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
126 months
SBA guaranteed
$380K (75%)
Approval → funding
62 days
Approved
2/11/2025
First disbursed
4/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by FWBank · Lender record →
Your business? Claim this record · Request removal
BIGGBY COFFEE #1204 in Southfield, MI — $500K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
132 mo (11 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
30 days
Approved
7/28/2025
First disbursed
8/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
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
Biggby Coffee 1207 in Loganville, GA — $475K (2025) · United Community Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$356K (75%)
Approval → funding
189 days
Approved
5/7/2025
First disbursed
11/12/2025
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal
TRILOKNATH LLC in Shorewood, IL — $473K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$355K (75%)
Approval → funding
35 days
Approved
3/26/2025
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Big Boys LLC in Clarksville, TN — $425K (2025) · First Farmers and Merchants Bank
Program
7a General
Rate at approval
9.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$319K (75%)
Approval → funding
29 days
Approved
5/19/2025
First disbursed
6/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Farmers and Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Biggby Coffee Store #1151 in Palos Heights, IL — $414K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$310K (75%)
Approval → funding
33 days
Approved
11/13/2024
First disbursed
12/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
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
WOO & MOO, LLC in Florence, KY — $375K (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
126 months
SBA guaranteed
$281K (75%)
Approval → funding
65 days
Approved
11/12/2024
First disbursed
1/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Biggby Coffee 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.

$324K typical Biggby Coffee loan
0.79% failure rate (FY20–23)
52 lenders fund the brand
20 days typical to fund

Buyers researching a Biggby Coffee 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 Biggby Coffee 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/biggby-coffee
API:: https://www.capbench.com/api/public/lenders?franchise=biggby-coffee
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.