Food & Restaurants · lender intelligence

How to finance a Grain & Berry Cafe

State:

The SBA 7(a) lenders funding the most Grain & Berry Cafe deals, ranked from public loan records — typical Grain & Berry Cafe loan about $439K, 0% failure rate across 26 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Grain & Berry Cafe

$439K

Typical loan

range $346K–$537K

$488K

Est. purchase price

≈ loan ÷ 90%

$65,285

Cash to close

$48,811 down + fees

$5,684/mo

Typical payment

~9.5% · 10yr

$78,439/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

9.99%

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 Grain & Berry Cafe

Ranked by funded Grain & Berry Cafe 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 →
2.242 loans · $281M · Chicago, ILFull record →
3.19 loans · $18M · Grand Rapids, MIFull record →
4.168 loans · $205M · Fishers, INFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.70 loans · $22M · Melrose, MNFull record →
7.20 loans · $8M · Saint Petersburg, FLFull record →
8.129 loans · $234M · New York, NYFull record →
9.6 loans · $4M · Defiance, OHFull record →

26+ funded Grain & Berry Cafe 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.

Better At G&B Baltimore LLC in Baltimore, MD — $350K (2026) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
126 months
SBA guaranteed
$263K (75%)
Approved
2/12/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Grain and Berry Apopka in Apopka, FL — $578K (2025) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$434K (75%)
Approval → funding
15 days
Approved
2/11/2025
First disbursed
2/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Gray & Bell, LLC in Kissimmee, FL — $560K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
125 months
SBA guaranteed
$420K (75%)
Approval → funding
55 days
Approved
9/25/2025
First disbursed
11/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Meena Investments LLC in Mansfield, TX — $555K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$416K (75%)
Approval → funding
15 days
Approved
8/26/2025
First disbursed
9/10/2025
Loan status
Current
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
V&L Rooted LLC in Orlando, FL — $555K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
124 months
SBA guaranteed
$416K (75%)
Approval → funding
13 days
Approved
5/9/2025
First disbursed
5/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
LAMA'S CAFE LLC in Austin, TX — $538K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$404K (75%)
Approval → funding
6 days
Approved
1/10/2025
First disbursed
1/16/2025
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
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
Epiphany City Originals LLC in Canfield, OH — $537K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
124 months
SBA guaranteed
$402K (75%)
Approval → funding
25 days
Approved
1/24/2025
First disbursed
2/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Grain and Berry IDrive Orlando in Tampa, FL — $528K (2025) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$396K (75%)
Approval → funding
127 days
Approved
11/21/2024
First disbursed
3/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
VOS Enterprises LLC in Dallas, PA — $500K (2025) · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
123 months
SBA guaranteed
$375K (75%)
Approval → funding
45 days
Approved
12/9/2024
First disbursed
1/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
HEALTHYEATZ LLC in Richardson, TX — $470K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$353K (75%)
Approval → funding
6 days
Approved
5/9/2025
First disbursed
5/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Tawfik Family Restaurant Group, LLC in Holly Springs, NC — $438K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$329K (75%)
Approval → funding
181 days
Approved
11/22/2024
First disbursed
5/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
GB1 Ventures LLC in Missouri City, TX — $376K (2025) · Magnifi Financial CU
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$282K (75%)
Approval → funding
25 days
Approved
5/30/2025
First disbursed
6/24/2025
Loan status
Current
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
Full-Service Restaurants
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
Saunders Healthy Way LLC in Winter Garden, FL — $360K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$270K (75%)
Approved
5/9/2025
Loan status
Committed
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
Saunders Healthy Way LLC in Winter Garden, FL — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/9/2025
Loan status
Committed
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
Tawfik Family Restaurant Group, LLC in Holly Springs, NC — $50K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/22/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
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
LAMA'S CAFE LLC in Austin, TX — $25K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
77 days
Approved
1/10/2025
First disbursed
3/28/2025
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
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
Gjemnica & Bekteshi, LLC in Rowlett, TX — $463K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$347K (75%)
Approval → funding
50 days
Approved
1/11/2024
First disbursed
3/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
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
LAMA'S CAFE LLC in Austin, TX — $410K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
129 months
SBA guaranteed
$308K (75%)
Approved
8/26/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Gjemnica & Bekteshi, LLC in Rowlett, TX — $50K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/10/2024
First disbursed
1/25/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
13
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
LAMA'S CAFE LLC in Austin, TX — $25K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
8/23/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
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

Buying a Grain & Berry Cafe? 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 Grain & Berry Cafe businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Grain & Berry Cafe 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.

$439K typical Grain & Berry Cafe loan
0% failure rate (FY20–23)
10 lenders fund the brand
27 days typical to fund

Buyers researching a Grain & Berry Cafe 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 Grain & Berry Cafe 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/grain-berry-cafe
API:: https://www.capbench.com/api/public/lenders?franchise=grain-berry-cafe
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.