Food & Restaurants · lender intelligence

How to finance a Happy Lemon

State:

The SBA 7(a) lenders funding the most Happy Lemon deals, ranked from public loan records — typical Happy Lemon loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Happy Lemon

$350K

Typical loan

range $350K–$416K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

19 days

Typical time to fund

Lenders competing

more = leverage

8.13%

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 Happy Lemon

Ranked by funded Happy Lemon 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 →
2.34 loans · $26M · Kalispell, MTFull record →
3.318 loans · $229M · Osage Beach, MOFull record →

4+ funded Happy Lemon 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.

Happy Lemon in Tulare, CA — $416K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$312K (75%)
Approval → funding
55 days
Approved
9/6/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
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
Lyda Lemon LLC in Austin, TX — $350K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
104 months
SBA guaranteed
$263K (75%)
Approval → funding
5 days
Approved
12/17/2022
First disbursed
12/22/2022
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
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
Yum Cha LLC in Austin, TX — $350K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
124 months
SBA guaranteed
$263K (75%)
Approval → funding
11 days
Approved
8/1/2022
First disbursed
8/12/2022
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Two6Eight in Edgewater, CO — $209K (2021) · Glacier Bank
Program
7a General
Rate at approval
4.5% fixed
Term
108 mo (9 yrs)
SBA guaranteed
$188K (90%)
Approval → funding
19 days
Approved
3/12/2021
First disbursed
3/31/2021
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Glacier Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Happy Lemon? 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.

Free · No documents · Usually same-day

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 Happy Lemon businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Happy Lemon 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.

$350K typical Happy Lemon loan
3 lenders fund the brand
19 days typical to fund

Buyers researching a Happy Lemon 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 Happy Lemon 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/happy-lemon
API:: https://www.capbench.com/api/public/lenders?franchise=happy-lemon
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.