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Food & Restaurants · lender intelligence

How to finance a HTeaO

The SBA 7(a) lenders funding the most HTeaO deals, ranked from public loan records — typical HTeaO loan about $740K, 0% failure rate across 57 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance HTeaO

$740K

Typical loan

range $242K–$1.97M

$822K

Est. purchase price

≈ loan ÷ 90%

$112,747

Cash to close

$82,222 down + fees

$9,575/mo

Typical payment

~9.5% · 10yr

$132,135/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

46 days

Typical time to fund

25

Lenders competing

more = leverage

7.94%

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 HTeaO

Ranked by funded HTeaO loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.72 loans · $30M · Oconomowoc, WIFull record →
  2. 2.62 loans · $26M · Oklahoma City, OKFull record →
  3. 3.2,539 loans · $965M · Columbus, OHFull record →
  4. 4.15 loans · $5M · Austin, TXFull record →
  5. 5.9 loans · $10M · Warren, PAFull record →
  6. 6.2 loans · $1M · Odessa, TXFull record →
  7. 7.38 loans · $21M · San Antonio, TXFull record →
  8. 8.1 loans · $0M · Houston, TXFull record →
  9. 9.2 loans · $0M · Pine Bluff, ARFull record →
  10. 10.75 loans · $98M · Sioux Falls, SDFull record →
  11. 11.16 loans · $21M · Las Vegas, NVFull record →
  12. 12.15 loans · $18M · Berryville, VAFull record →
  13. 13.36 loans · $35M · Memphis, TNFull record →
  14. 14.22 loans · $3M · Fayetteville, ARFull record →
  15. 15.34 loans · $57M · Charlotte, NCFull record →
  16. 16.1 loans · $2M · Manhattan, KSFull record →
  17. 17.28 loans · $42M · Lehi, UTFull record →
  18. 18.54 loans · $15M · University Park, TXFull record →
  19. 19.24 loans · $22M · College Station, TXFull record →
  20. 20.25 loans · $38M · Oklahoma City, OKFull record →
  21. 21.60 loans · $40M · Clayton, MOFull record →
  22. 22.7 loans · $9M · Omaha, NEFull record →
  23. 23.2 loans · $0M · Elgin, TXFull record →

57+ funded HTeaO 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.

  • Tily Tea Company, LLC in Northlake, TX — $2.0M (2026) · Northwest Bank
  • HERBTEA, LLC in Cedar Park, TX — $150K (2026) · Meadows Bank
  • Shumu TX Holdings Corp. in Harker Heights, TX — $150K (2026) · Bank Five Nine
  • RALPH AND SARAH PARTNERS LLC in Port Isabel, TX — $150K (2026) · Bank Five Nine
  • ZTeaO, LLC in Tucson, AZ — $125K (2026) · Bank Five Nine
  • LEVITEA LLC in Altus, OK — $100K (2026) · Bank Five Nine
  • Tily Tea Company, LLC in Northlake, TX — $50K (2026) · Northwest Bank
  • SusTEAta, LLC in San Antonio, TX — $2.8M (2025) · Amistad Bank
  • Vallarm, LLC in Temple, TX — $2.5M (2025) · Amistad Bank
  • INFINNITEA, LLC in Glendale, AZ — $2.5M (2025) · Bank Five Nine
  • MULLINS HOLDINGS LLC in Cushing, OK — $2.4M (2025) · Bank Five Nine
  • San Tan Tea LLC in San Tan Valley, AZ — $2.4M (2025) · Bank Five Nine
  • RodStarrTeaCo LLC in Kingsville, TX — $2.2M (2025) · Bank Five Nine
  • TZ381 LLC in Scottsdale, AZ — $2.2M (2025) · Bank Five Nine
  • 10-78 WHYB LLC in Hixson, TN — $2.1M (2025) · Bank Five Nine
  • Hudson Family Tea Company LLC in Mansfield, TX — $2.0M (2025) · Bank Five Nine
  • RE3SE Holdings LLC in El Campo, TX — $2.0M (2025) · The Huntington National Bank
  • PHARMTEA PIEDMONT LLC in Yukon, OK — $2.0M (2025) · BancFirst
  • HansfordTea, LLC in Spring, TX — $1.9M (2025) · Bank Five Nine
  • Clark on Brew LLC in Tyler, TX — $876K (2025) · The Bancorp Bank National Association

Buying a HTeaO? 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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to HTeaO businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a HTeaO 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. Bank Five Nine funds the most. CapBench is not a lender.

  • $740K typical HTeaO loan
  • 0% failure rate (FY20–23)
  • 25 lenders fund the brand
  • 46 days typical to fund

Buyers researching a HTeaO 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 dealTalk to a loan brokerHTeaO 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/hteao
API:
https://www.capbench.com/api/public/lenders?franchise=hteao
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.
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