Food & Restaurants · lender intelligence

How to finance a Summit Coffee Co.

State:

The SBA 7(a) lenders funding the most Summit Coffee Co. deals, ranked from public loan records — typical Summit Coffee Co. loan about $250K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Summit Coffee Co.

$250K

Typical loan

range $219K–$372K

$278K

Est. purchase price

≈ loan ÷ 90%

$37,153

Cash to close

$27,778 down + fees

$3,659/mo

Typical payment

~12.5% · 10yr

$50,494/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

6.56%

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 Summit Coffee Co.

Ranked by funded Summit Coffee Co. loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1 loans · $1M · Lincoln, NEFull record →
2.46 loans · $47M · Asheville, NCFull record →

4+ funded Summit Coffee Co. 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.

Summit of Ballantyne LLC in Charlotte, NC — $250K (2023) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
33 days
Approved
11/3/2022
First disbursed
12/6/2022
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
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
SUMMIT RAD, LLC in Asheville, NC — $372K (2022) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$279K (75%)
Approval → funding
7 days
Approved
6/3/2022
First disbursed
6/10/2022
Loan status
Payments deferred
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
SUMMIT GROVE LLC in Asheville, NC — $210K (2022) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$157K (75%)
Approval → funding
4 days
Approved
6/6/2022
First disbursed
6/10/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
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
CALL SIGN COFFEE LLC in Charlotte, NC — $219K (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
77 months
SBA guaranteed
$197K (90%)
Approval → funding
15 days
Approved
6/9/2021
First disbursed
6/24/2021
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
9
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Summit Coffee Co.? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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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 loans to Summit Coffee Co. businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Summit Coffee Co. 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. Pinnacle Bank funds the most. CapBench is not a lender.

$250K typical Summit Coffee Co. loan
2 lenders fund the brand
15 days typical to fund

Buyers researching a Summit Coffee Co. 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 Summit Coffee Co. record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/summit-coffee-co
API:: https://www.capbench.com/api/public/lenders?franchise=summit-coffee-co
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.