Food & Restaurants · lender intelligence

How to finance a Cali Coffee

State:

The SBA 7(a) lenders funding the most Cali Coffee deals, ranked from public loan records — typical Cali Coffee loan about $906K. A bank that has funded the brand knows the model — faster approvals, better terms.

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

$906K

Typical loan

range $670K–$1.56M

$1.01M

Est. purchase price

≈ loan ÷ 90%

$138,040

Cash to close

$100,667 down + fees

$11,723/mo

Typical payment

~9.5% · 10yr

$161,777/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

5 days

Typical time to fund

Lenders competing

more = leverage

10.13%

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 Cali Coffee

Ranked by funded Cali 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 →
2.58 loans · $51M · Burlington, KYFull record →
3.60 loans · $40M · Clayton, MOFull record →

4+ funded Cali 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.

CC Lakewood Ranch LLC in Bradenton, FL — $1.6M (2025) · Heritage Bank Inc
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approved
9/27/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Heritage Bank Inc · Lender record →
Your business? Claim this record · Request removal
CC New Port Richey LLC in New Port Richey, FL — $906K (2025) · Midwest Regional Bank
Program
7a General
Rate at approval
10.25% variable
Term
125 months
SBA guaranteed
$680K (75%)
Approved
2/11/2025
Loan status
Cancelled
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Jeffrhi Investments LLC in Stuart, FL — $670K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
129 months
SBA guaranteed
$503K (75%)
Approval → funding
5 days
Approved
2/1/2023
First disbursed
2/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
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
Jeffrhi Investments LLC in Stuart, FL — $40K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approved
2/1/2023
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
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

Buying a Cali Coffee? 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.

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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 Cali Coffee businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Cali 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.

$906K typical Cali Coffee loan
3 lenders fund the brand
5 days typical to fund

Buyers researching a Cali 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 Cali 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/cali-coffee
API:: https://www.capbench.com/api/public/lenders?franchise=cali-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.