Food & Restaurants · lender intelligence

How to finance a Menchie's in Texas

State:

The SBA 7(a) lenders funding the most Menchie's deals in Texas, 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 Texas

$331K

Typical loan

range $144K–$363K

$368K

Est. purchase price

≈ loan ÷ 90%

$49,191

Cash to close

$36,778 down + fees

$4,560/mo

Typical payment

~11% · 10yr

$62,928/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

10 days

Typical time to fund

Lenders competing

more = leverage

9.43%

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 Texas

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.46 loans · $47M · Asheville, NCFull record →
3.5 loans · $16M · Humble, TXFull record →

7+ funded Menchie's in Texas 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.

Life Saving Organics LLC in Frisco, TX — $350K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
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
Menchie's Frozen Yogurt in Fort Worth, TX — $144K (2025) · HomeTrust Bank
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$122K (85%)
Approval → funding
27 days
Approved
1/29/2025
First disbursed
2/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Menchie's Frozen Yogurt in Euless, TX — $331K (2024) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (75%)
Approval → funding
10 days
Approved
6/18/2024
First disbursed
6/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$368K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,466
Annual debt service
$54K
Cash flow needed (1.25×)
$67K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Om Maruti LLC in Richmond, TX — $405K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
129 months
SBA guaranteed
$304K (75%)
Approval → funding
1 days
Approved
6/20/2023
First disbursed
6/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
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
Fweet Treats LLC in San Antonio, TX — $200K (2023) · purchase · Lincoln Savings Bank
Program
7a General
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
52 days
Approved
12/6/2022
First disbursed
1/27/2023
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
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,615
Annual debt service
$31K
Cash flow needed (1.25×)
$39K
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 Lincoln Savings Bank
Your business? Claim this record · Request removal
Om Maruti LLC in Richmond, TX — $30K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
6/20/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
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
Smiley Froyo LLC in Midland, TX — $363K (2021) · Plains State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$327K (90%)
Approval → funding
3 days
Approved
5/28/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Ice Cream and Frozen Dessert Manufacturing
Funded by Plains State Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Menchie's in Texas? 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.

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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 Texas project address. Mega-bank call-center lenders excluded.

Agent summary

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

$250K typical Menchie's loan
4 lenders active in Texas
7+ funded Texas deals
10 days typical to fund

Buyers buying a Menchie's in Texas 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 2026-06-17.
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/texas
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.