Food & Restaurants · lender intelligence

How to finance a Menchie's in California

State:

The SBA 7(a) lenders funding the most Menchie's deals in California, from public loan records — typical Menchie's loan about $250K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Menchie's in California

$246K

Typical loan

range $197K–$293K

$273K

Est. purchase price

≈ loan ÷ 90%

$36,514

Cash to close

$27,300 down + fees

$3,596/mo

Typical payment

~12.5% · 10yr

$49,625/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

10.83%

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 Menchie's in California

Ranked by funded Menchie's loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.40 loans · $41M · La Jolla, CAFull record →
3.46 loans · $47M · Asheville, NCFull record →
4.70 loans · $22M · Melrose, MNFull record →
5.154 loans · $26M · San Diego, CAFull record →

9+ funded Menchie's in California 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.

SL SWIRLZ LLC in Fontana, CA — $40K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.99% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
1 days
Approved
11/13/2025
First disbursed
11/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Menchie's Granite Bay in Granite Bay, CA — $330K (2025) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
124 months
SBA guaranteed
$248K (75%)
Approval → funding
71 days
Approved
9/28/2025
First disbursed
12/8/2025
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Alpine Enterprises LLC in Manteca, CA — $293K (2025) · Magnifi Financial CU
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$220K (75%)
Approval → funding
18 days
Approved
5/29/2025
First disbursed
6/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
AGT Yogurt LLC in Fresno, CA — $257K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$193K (75%)
Approval → funding
34 days
Approved
11/2/2023
First disbursed
12/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
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
Blue Ridge Innovation, Inc. in Oceanside, CA — $246K (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.95% variable
Term
120 mo (10 yrs)
SBA guaranteed
$184K (75%)
Approval → funding
42 days
Approved
9/26/2024
First disbursed
11/7/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
EL RANCHO MCGINNO LLC in El Cajon, CA — $197K (2024) · CalPrivate Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$148K (75%)
Approval → funding
13 days
Approved
11/22/2023
First disbursed
12/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by CalPrivate Bank · Lender record →
Your business? Claim this record · Request removal
EL RANCHO MCGINNO LLC in El Cajon, CA — $197K (2024) · CalPrivate Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$148K (75%)
Approval → funding
13 days
Approved
11/22/2023
First disbursed
12/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by CalPrivate Bank · Lender record →
Your business? Claim this record · Request removal
AGT Yogurt LLC in Fresno, CA — $30K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
34 days
Approved
11/2/2023
First disbursed
12/6/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
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
E-Amaze Inc. in Santa Clarita, CA — $300K (2023) · purchase · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
12.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approved
4/26/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Ice Cream and Frozen Dessert Manufacturing
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$4,391
Annual debt service
$53K
Cash flow needed (1.25×)
$66K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal

Buying a Menchie's in California? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — 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 Menchie's loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Menchie's purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$250K typical Menchie's loan
6 lenders active in California
9+ funded California deals
34 days typical to fund

Buyers buying a Menchie's in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Menchie's lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/menchie-s/california
API:: https://www.capbench.com/api/public/lenders?franchise=menchie-s
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.