Food & Restaurants · lender intelligence

How to finance a It's Boba Time

State:

The SBA 7(a) lenders funding the most It's Boba Time deals, ranked from public loan records — typical It's Boba Time loan about $429K, 0% failure rate across 41 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance It's Boba Time

$429K

Typical loan

range $308K–$540K

$477K

Est. purchase price

≈ loan ÷ 90%

$63,755

Cash to close

$47,667 down + fees

$5,551/mo

Typical payment

~9.5% · 10yr

$76,604/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

20 days

Typical time to fund

Lenders competing

more = leverage

7.31%

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 It's Boba Time

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

1.83 loans · $143M · Los Angeles, CAFull record →
2.139 loans · $102M · Los Angeles, CAFull record →
3.58 loans · $53M · New York, NYFull record →
4.274 loans · $315M · Los Angeles, CAFull record →
5.85 loans · $148M · Los Angeles, CAFull record →
6.101 loans · $81M · Pasadena, CAFull record →
7.11 loans · $13M · New York, NYFull record →
8.7 loans · $3M · Walnut Creek, CAFull record →
9.1 loans · $2M · Houston, TXFull record →

41+ funded It's Boba Time 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.

JS & J Holdings Inc in Los Angeles, CA — $810K (2026) · purchase · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$608K (75%)
Approval → funding
2 days
Approved
1/28/2026
First disbursed
1/30/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$900K
Est. down payment (10%)
$90K
Est. cash at closing
$123K
Monthly payment
$9,935
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
WAYNHOPE INC in Artesia, CA — $780K (2026) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$585K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
Just Do Eat Foods, Inc. in Camarillo, CA — $595K (2025) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
72 mo (6 yrs)
SBA guaranteed
$446K (75%)
Approval → funding
47 days
Approved
9/5/2025
First disbursed
10/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
It's Boba Time - Canyon Country in Santa Clarita, CA — $540K (2025) · purchase · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$405K (75%)
Approval → funding
7 days
Approved
7/25/2025
First disbursed
8/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$600K
Est. down payment (10%)
$60K
Est. cash at closing
$80K
Monthly payment
$6,914
Annual debt service
$83K
Cash flow needed (1.25×)
$104K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
It's Boba Time in Rolling Hills Estates, CA — $535K (2025) · purchase · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$401K (75%)
Approval → funding
5 days
Approved
12/27/2024
First disbursed
1/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$594K
Est. down payment (10%)
$59K
Est. cash at closing
$80K
Monthly payment
$6,923
Annual debt service
$83K
Cash flow needed (1.25×)
$104K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
It's Boba Time - DTLA in Los Angeles, CA — $450K (2025) · purchase · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
26 days
Approved
3/6/2025
First disbursed
4/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,761
Annual debt service
$69K
Cash flow needed (1.25×)
$86K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
Its Boba Tea OC Partners, Inc. in Anaheim, CA — $440K (2025) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$330K (75%)
Approval → funding
18 days
Approved
9/12/2025
First disbursed
9/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
Flying Tiger in Bakersfield, CA — $304K (2025) · JPMorgan Chase Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
132 mo (11 yrs)
SBA guaranteed
$228K (75%)
Approval → funding
112 days
Approved
3/5/2025
First disbursed
6/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
It's Boba Time in Anaheim, CA — $289K (2024) · United Business Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$217K (75%)
Approval → funding
7 days
Approved
11/29/2023
First disbursed
12/6/2023
Loan status
Paid in full (10/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by United Business Bank · Lender record →
Your business? Claim this record · Request removal
COLFA 2, Inc. in Torrance, CA — $1.2M (2023) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$889K (75%)
Approval → funding
21 days
Approved
1/17/2023
First disbursed
2/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$132K
Est. cash at closing
$181K
Monthly payment
$15,172
Annual debt service
$182K
Cash flow needed (1.25×)
$228K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Team R2M, Inc. in Riverside, CA — $735K (2023) · purchase · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$551K (75%)
Approval → funding
14 days
Approved
4/21/2023
First disbursed
5/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$817K
Est. down payment (10%)
$82K
Est. cash at closing
$112K
Monthly payment
$9,410
Annual debt service
$113K
Cash flow needed (1.25×)
$141K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
SJ F&B, Inc. in San Diego, CA — $670K (2023) · purchase · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$503K (75%)
Approval → funding
13 days
Approved
10/11/2022
First disbursed
10/24/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$744K
Est. down payment (10%)
$74K
Est. cash at closing
$100K
Monthly payment
$8,218
Annual debt service
$99K
Cash flow needed (1.25×)
$123K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
EM&J Service, Inc. in Los Angeles, CA — $600K (2023) · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
4 days
Approved
6/22/2023
First disbursed
6/26/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
Boba San Dimas, Inc. in San Dimas, CA — $429K (2023) · Open Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$322K (75%)
Approval → funding
57 days
Approved
7/12/2023
First disbursed
9/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Open Bank · Lender record →
Your business? Claim this record · Request removal
Boba Time SL LLC in Los Angeles, CA — $385K (2023) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$289K (75%)
Approval → funding
7 days
Approved
4/28/2023
First disbursed
5/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
RIRIJIN LLC in Whittier, CA — $350K (2023) · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
108 mo (9 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
20 days
Approved
12/16/2022
First disbursed
1/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
K&K Brand Inc. in Fontana, CA — $350K (2023) · East West Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
122 months
SBA guaranteed
$263K (75%)
Approval → funding
26 days
Approved
3/8/2023
First disbursed
4/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
SSK Management LLC in Sylmar, CA — $280K (2023) · Open Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$210K (75%)
Approval → funding
21 days
Approved
12/9/2022
First disbursed
12/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Open Bank · Lender record →
Your business? Claim this record · Request removal
MJ Boba, Inc. in Fullerton, CA — $230K (2023) · Bank of Hope
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
84 mo (7 yrs)
SBA guaranteed
$115K (50%)
Approval → funding
4 days
Approved
9/7/2023
First disbursed
9/11/2023
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
Seaglass Boba, Inc. in Oxnard, CA — $1.1M (2022) · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
96 mo (8 yrs)
SBA guaranteed
$805K (75%)
Approval → funding
6 days
Approved
8/12/2022
First disbursed
8/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal

Buying a It's Boba Time? Start with a lender that has funded the brand

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

Agent summary

How to finance a It's Boba Time 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. Open Bank funds the most. CapBench is not a lender.

$429K typical It's Boba Time loan
0% failure rate (FY20–23)
10 lenders fund the brand
20 days typical to fund

Buyers researching a It's Boba Time 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 It's Boba Time 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/it-s-boba-time
API:: https://www.capbench.com/api/public/lenders?franchise=it-s-boba-time
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.