Food & Restaurants · lender intelligence

How to finance a Gloria Jean's Coffees

State:

The SBA 7(a) lenders funding the most Gloria Jean's Coffees deals, ranked from public loan records — typical Gloria Jean's Coffees loan about $450K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Gloria Jean's Coffees

$450K

Typical loan

range $350K–$550K

$500K

Est. purchase price

≈ loan ÷ 90%

$66,875

Cash to close

$50,000 down + fees

$5,823/mo

Typical payment

~9.5% · 10yr

$80,357/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

23 days

Typical time to fund

Lenders competing

more = leverage

7.25%

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 Gloria Jean's Coffees

Ranked by funded Gloria Jean's Coffees loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.38 loans · $21M · San Antonio, TXFull record →
2.3 loans · $2M · Minneapolis, MNFull record →
3.1 loans · $1M · Cuba, MOFull record →

4+ funded Gloria Jean's Coffees 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.

USKUNA STYLE LLC in Plainsboro, NJ — $117K (2026) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$99K (85%)
Approved
2/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Clothing and Clothing Accessories Retailers
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
STX Brew Company LLC in Mcallen, TX — $550K (2023) · Frost Bank
Program
Preferred Lenders Program
Rate at approval
9.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$413K (75%)
Approval → funding
27 days
Approved
2/8/2023
First disbursed
3/7/2023
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
STX Brew Company LLC in Mcallen, TX — $450K (2021) · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$405K (90%)
Approval → funding
8 days
Approved
9/22/2021
First disbursed
9/30/2021
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
CROWN POINT COFFEE INC in Crown Point, IN — $350K (2020) · Peoples Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% fixed
Term
66 months
SBA guaranteed
$175K (50%)
Approval → funding
23 days
Approved
7/8/2020
First disbursed
7/31/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Gloria Jean's Coffees? 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 Gloria Jean's Coffees businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Gloria Jean's Coffees 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. Frost Bank funds the most. CapBench is not a lender.

$450K typical Gloria Jean's Coffees loan
3 lenders fund the brand
23 days typical to fund

Buyers researching a Gloria Jean's Coffees 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 Gloria Jean's Coffees record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/gloria-jean-s-coffees
API:: https://www.capbench.com/api/public/lenders?franchise=gloria-jean-s-coffees
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.