Food & Restaurants · lender intelligence
How to finance a Summer Moon Coffee Shop
The SBA 7(a) lenders funding the most Summer Moon Coffee Shop deals, ranked from public loan records — typical Summer Moon Coffee Shop loan about $573K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Summer Moon Coffee Shop
$573K
Typical loan
range $447K–$758K
$637K
Est. purchase price
≈ loan ÷ 90%
$85,155
Cash to close
$63,667 down + fees
$7,414/mo
Typical payment
~9.5% · 10yr
$102,313/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
25 days
Typical time to fund
14
Lenders competing
more = leverage
7.59%
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 Summer Moon Coffee Shop
Ranked by funded Summer Moon Coffee Shop loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.51 loans · $52M · Fuquay Varina, NCFull record →
- 2.38 loans · $21M · San Antonio, TXFull record →
- 3.168 loans · $205M · Fishers, INFull record →
- 4.2,539 loans · $965M · Columbus, OHFull record →
- 5.52 loans · $50M · Rockville, MDFull record →
- 6.2 loans · $2M · Crystal Lake, ILFull record →
- 7.1 loans · $0M · Edmond, OKFull record →
- 8.26 loans · $31M · Baton Rouge, LAFull record →
- 9.78 loans · $79M · New Orleans, LAFull record →
- 10.1 loans · $1M · Lincoln, NEFull record →
- 11.6 loans · $6M · Conway, ARFull record →
- 12.30 loans · $24M · Kansas City, MOFull record →
19+ funded Summer Moon Coffee Shop 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.
- Shoot Me the Pot, Inc. in League City, TX — $1.2M (2026) · b1BANK
- Program
- 7a General
- Rate at approval
- 8.25% variable
- Term
- 126 months
- SBA guaranteed
- $909K (75%)
- Approval → funding
- 18 days
- Approved
- 1/30/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- 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 b1BANK · Lender record →
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- Drennen Coffee Company LLC in Raleigh, NC — $950K (2026) · The Fidelity Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $713K (75%)
- Approval → funding
- 45 days
- Approved
- 12/2/2025
- First disbursed
- 1/16/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 71
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
- ORC Wheaton LLC in Wheaton, IL — $753K (2026) · Crystal Lake Bank & Trust Company, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $565K (75%)
- Approval → funding
- 7 days
- Approved
- 11/13/2025
- First disbursed
- 11/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Crystal Lake Bank & Trust Company, National Association · Lender record →
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- SMC Rose Creek LLC in Edmond, OK — $450K (2026) · The Citizens Bank of Edmond
- Program
- 7a General
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 61 days
- Approved
- 11/14/2025
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Citizens Bank of Edmond · Lender record →
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- Drennen Coffee Company LLC in Wake Forest, NC — $854K (2025) · The Fidelity Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $641K (75%)
- Approval → funding
- 96 days
- Approved
- 3/26/2025
- First disbursed
- 6/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
- Summer Moon Tennessee LLC in Farragut, TN — $460K (2024) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $345K (75%)
- Approval → funding
- 38 days
- Approved
- 4/23/2024
- First disbursed
- 5/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- HomeTown Legacies, LLC in Lubbock, TX — $846K (2023) · Centennial Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% fixed
- Term
- 126 months
- SBA guaranteed
- $635K (75%)
- Approval → funding
- 3 days
- Approved
- 7/11/2023
- First disbursed
- 7/14/2023
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal
- Unbelief LLC in Spring, TX — $758K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 129 months
- SBA guaranteed
- $569K (75%)
- Approval → funding
- 17 days
- Approved
- 11/14/2022
- First disbursed
- 12/1/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- Waiter, Waiter, Percolator, Inc. in Nassau Bay, TX — $693K (2023) · Texas Advantage Community Bank, National Association
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 138 months
- SBA guaranteed
- $520K (75%)
- Approval → funding
- 30 days
- Approved
- 1/6/2023
- First disbursed
- 2/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Texas Advantage Community Bank, National Association
Your business? Claim this record · Request removal
- Summer Moon in Fort Myers, FL — $447K (2023) · Capital Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $335K (75%)
- Approval → funding
- 12 days
- Approved
- 2/23/2023
- First disbursed
- 3/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Capital Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Drennen Coffee Company LLC in Wake Forest, NC — $619K (2022) · The Fidelity Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 123 months
- SBA guaranteed
- $464K (75%)
- Approval → funding
- 19 days
- Approved
- 4/14/2022
- First disbursed
- 5/3/2022
- 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
- Snack and Nonalcoholic Beverage Bars
Funded by The Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
- EmKay Ventures LLC in Daphne, AL — $573K (2022) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 126 months
- SBA guaranteed
- $430K (75%)
- Approval → funding
- 15 days
- Approved
- 6/16/2022
- First disbursed
- 7/1/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Internet Bank of Indiana · Lender record →
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- True North Coffee Company LLC in Lockhart, TX — $545K (2022) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $409K (75%)
- Approval → funding
- 28 days
- Approved
- 5/11/2022
- First disbursed
- 6/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
- NUNEZ & THOMAS COFFEE LLC in Abilene, TX — $470K (2022) · UMB Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 119 months
- SBA guaranteed
- $353K (75%)
- Approval → funding
- 30 days
- Approved
- 3/8/2022
- First disbursed
- 4/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- SM Mayfair, LLC in Oklahoma City, OK — $345K (2022) · Bank7
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 49 days
- Approved
- 12/13/2021
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Bank7
Your business? Claim this record · Request removal
- Legacy Coffee, Inc in Conroe, TX — $756K (2021) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $680K (90%)
- Approval → funding
- 25 days
- Approved
- 2/3/2021
- First disbursed
- 2/28/2021
- Loan status
- Paid in full (6/30/2023)
- 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 Frost Bank · Lender record →
Your business? Claim this record · Request removal
- Leibforth Legacy Holdings L.L.C. in Kenosha, WI — $428K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $385K (90%)
- Approval → funding
- 15 days
- Approved
- 8/16/2021
- First disbursed
- 8/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- 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
- Leibforth Legacy Holdings L.L.C. in Kenosha, WI — $50K (2021) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (75%)
- Approval → funding
- 15 days
- Approved
- 8/16/2021
- First disbursed
- 8/31/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- 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
- Sienna Java LLC in Missouri City, TX — $300K (2020) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 125 months
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 34 days
- Approved
- 8/27/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Buying a Summer Moon Coffee Shop? 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 Summer Moon Coffee Shop businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Summer Moon Coffee Shop 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 Fidelity Bank funds the most. CapBench is not a lender.
- $573K typical Summer Moon Coffee Shop loan
- 14 lenders fund the brand
- 25 days typical to fund
Buyers researching a Summer Moon Coffee Shop 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.