Food & Restaurants · lender intelligence
How to finance a Just Love Coffee Cafe
The SBA 7(a) lenders funding the most Just Love Coffee Cafe deals, ranked from public loan records — typical Just Love Coffee Cafe loan about $379K, 0% failure rate across 42 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Just Love Coffee Cafe
$379K
Typical loan
range $155K–$498K
$421K
Est. purchase price
≈ loan ÷ 90%
$56,324
Cash to close
$42,111 down + fees
$4,904/mo
Typical payment
~9.5% · 10yr
$67,675/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
27 days
Typical time to fund
12
Lenders competing
more = leverage
8.74%
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 Just Love Coffee Cafe
Ranked by funded Just Love Coffee 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 →
- 2.66 loans · $68M · Milford, IAFull record →
- 3.24 loans · $21M · Raleigh, NCFull record →
- 4.104 loans · $100M · Portsmouth, VAFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.242 loans · $281M · Chicago, ILFull record →
- 7.2 loans · $1M · Austin, TXFull record →
- 8.24 loans · $13M · Pikeville, KYFull record →
- 9.2 loans · $0M · Columbus, OHFull record →
- 10.6 loans · $1M · Raleigh, NCFull record →
- 11.1 loans · $0M · Pierce, NEFull record →
42+ funded Just Love Coffee 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.
- JL GTX LLC in Georgetown, TX — $752K (2025) · Horizon Bank SSB
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 88 months
- SBA guaranteed
- $564K (75%)
- Approval → funding
- 36 days
- Approved
- 6/25/2025
- First disbursed
- 7/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Horizon Bank SSB · Lender record →
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- Just Love Coffee Cafe Northlake in Hermitage, TN — $495K (2025) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $371K (75%)
- Approval → funding
- 1 days
- Approved
- 1/27/2025
- First disbursed
- 1/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 33
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by United Community Bank · Lender record →
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- QKT Enterprises LLC in Memphis, TN — $471K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $354K (75%)
- Approval → funding
- 62 days
- Approved
- 12/20/2024
- First disbursed
- 2/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- 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
- Chloe's Cup, Inc. in Cincinnati, OH — $350K (2025) · Economic and Community Development Institute
- Program
- 7a General
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 58 days
- Approved
- 12/4/2024
- First disbursed
- 1/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by Economic and Community Development Institute · Lender record →
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- Bat Rock Beverages, LLC in Danville, KY — $300K (2025) · Community Trust Bank, Inc.
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 274 days
- Approved
- 11/12/2024
- First disbursed
- 8/13/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Trust Bank, Inc. · Lender record →
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- Northlake Coffee, LLC in Hermitage, TN — $727K (2024) · Sonata Bank
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $545K (75%)
- Approved
- 12/26/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 39
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Sonata Bank
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- Well Run, LLC in Madison, AL — $635K (2024) · Sonata Bank
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 78 days
- Approved
- 3/22/2024
- First disbursed
- 6/8/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Sonata Bank
Your business? Claim this record · Request removal
- MDX-ME Ventures Corp. in West Haven, UT — $498K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $373K (75%)
- Approval → funding
- 96 days
- Approved
- 3/6/2024
- First disbursed
- 6/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- MDX-ME Ventures Corp. in West Haven, UT — $40K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 3/6/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- Tameap LLC in Fort Worth, TX — $747K (2023) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $560K (75%)
- Approval → funding
- 19 days
- Approved
- 1/4/2023
- First disbursed
- 1/23/2023
- Loan status
- In workout — SBA bought the guarantee
- 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 TowneBank · Lender record →
Your business? Claim this record · Request removal
- SniktaW Holding Group, Inc. in Columbia, MO — $687K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $515K (75%)
- Approval → funding
- 12 days
- Approved
- 9/17/2023
- First disbursed
- 9/29/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 38
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- SniktaW Holding Group, Inc. in Columbia, MO — $659K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $494K (75%)
- Approval → funding
- 12 days
- Approved
- 2/16/2023
- First disbursed
- 2/28/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 38
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- WAY2BE, INC in Pasadena, TX — $501K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $376K (75%)
- Approval → funding
- 1 days
- Approved
- 1/19/2023
- First disbursed
- 1/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- 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
- PERCS LLC in Carmel, IN — $500K (2023) · Sonata Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 6/15/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Sonata Bank
Your business? Claim this record · Request removal
- Northlake Coffee, LLC in Hermitage, TN — $500K (2023) · Sonata Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 6/28/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Sonata Bank
Your business? Claim this record · Request removal
- Elde's LLC in Ft. Collins, CO — $468K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $351K (75%)
- Approval → funding
- 17 days
- Approved
- 5/8/2023
- First disbursed
- 5/25/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Cafeterias, Grill Buffets, and Buffets
Funded by The Huntington National Bank · Lender record →
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- Harthlund Corp. in Maple Grove, MN — $461K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 129 months
- SBA guaranteed
- $345K (75%)
- Approval → funding
- 22 days
- Approved
- 9/13/2023
- First disbursed
- 10/5/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- 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
- BHB Leigh Investments, LLC dba Just Love Coffee in Madison, WI — $460K (2023) · Sonata Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $230K (50%)
- Approval → funding
- 12 days
- Approved
- 2/17/2023
- First disbursed
- 3/1/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Sonata Bank
Your business? Claim this record · Request removal
- Clemons Prime Group LLC in Fayetteville, NC — $449K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $337K (75%)
- Approval → funding
- 5 days
- Approved
- 3/15/2023
- First disbursed
- 3/20/2023
- Loan status
- Current
- 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
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Daybreak Inspiration, LLC in Cary, NC — $350K (2023) · Carolina Small Business Development Fund
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 10.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 6/23/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Carolina Small Business Development Fund · Lender record →
Your business? Claim this record · Request removal
Buying a Just Love Coffee Cafe? 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 Just Love Coffee Cafe businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Just Love Coffee 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.
- $379K typical Just Love Coffee Cafe loan
- 0% failure rate (FY20–23)
- 12 lenders fund the brand
- 27 days typical to fund
Buyers researching a Just Love Coffee 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.
- 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.
- 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.