Food & Restaurants · lender intelligence
How to finance a Carmela Coffee
The SBA 7(a) lenders funding the most Carmela Coffee deals, ranked from public loan records — typical Carmela Coffee loan about $404K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Carmela Coffee
$404K
Typical loan
range $404K–$404K
$449K
Est. purchase price
≈ loan ÷ 90%
$60,098
Cash to close
$44,933 down + fees
$5,233/mo
Typical payment
~9.5% · 10yr
$72,215/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
83 days
Typical time to fund
1
Lenders competing
more = leverage
10.65%
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 Carmela Coffee
Ranked by funded Carmela Coffee loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.47 loans · $39M · Greenville, PAFull record →
1+ funded Carmela 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.
- Antonio & Carina Corp in West Palm Beach, FL — $404K (2024) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 10.65% variable
- Term
- 127 months
- SBA guaranteed
- $303K (75%)
- Approval → funding
- 83 days
- Approved
- 5/6/2024
- First disbursed
- 7/28/2024
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
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Buying a Carmela 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Carmela Coffee businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Carmela 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. First National Bank of Pennsylvania funds the most. CapBench is not a lender.
- $404K typical Carmela Coffee loan
- 1 lenders fund the brand
- 83 days typical to fund
Buyers researching a Carmela 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.
- 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.
- 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.