Food & Restaurants · lender intelligence

How to finance a Teaspoon in California

State:

The SBA 7(a) lenders funding the most Teaspoon deals in California, from public loan records — typical Teaspoon loan about $321K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Teaspoon in California

$320K

Typical loan

range $25K–$349K

$356K

Est. purchase price

≈ loan ÷ 90%

$47,556

Cash to close

$35,556 down + fees

$4,408/mo

Typical payment

~11% · 10yr

$60,830/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

8.88%

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 Teaspoon in California

Ranked by funded Teaspoon 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 →
2.28 loans · $35M · West Memphis, ARFull record →

15+ funded Teaspoon 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.

Bhagwati Corporation in Newark, CA — $367K (2024) · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$275K (75%)
Approval → funding
22 days
Approved
2/28/2024
First disbursed
3/21/2024
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Nemarya Shah Inc. in Burbank, CA — $344K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$258K (75%)
Approval → funding
8 days
Approved
10/18/2023
First disbursed
10/26/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Nemarya Shah Inc. in Burbank, CA — $30K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
20 days
Approved
10/18/2023
First disbursed
11/7/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
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
S&B VENTURES LLC in Brea, CA — $329K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$247K (75%)
Approval → funding
19 days
Approved
1/6/2023
First disbursed
1/25/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
44
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
The JoJo's, LLC in Cucamonga, CA — $321K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$241K (75%)
Approval → funding
4 days
Approved
3/2/2023
First disbursed
3/6/2023
Loan status
Current
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
S&B VENTURES LLC in Brea, CA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
1/6/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
44
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
The JoJo's, LLC in Cucamonga, CA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
33 days
Approved
3/2/2023
First disbursed
4/4/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
32
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
Indian Rock LLC in Corte Madera, CA — $474K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
3 days
Approved
5/10/2022
First disbursed
5/13/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
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
Big Umbrella LLC in Glendale, CA — $406K (2022) · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
107 months
SBA guaranteed
$304K (75%)
Approval → funding
14 days
Approved
5/4/2022
First disbursed
5/18/2022
Loan status
Failed — $382K charged off (4/21/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Trantingco LLC in El Dorado Hills, CA — $349K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$262K (75%)
Approval → funding
2 days
Approved
8/3/2022
First disbursed
8/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
P2G TS1 LLC in Pinole, CA — $320K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
3 days
Approved
9/26/2022
First disbursed
9/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
6
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
XIN CIAO LLC in San Diego, CA — $272K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
117 months
SBA guaranteed
$204K (75%)
Approval → funding
28 days
Approved
11/10/2021
First disbursed
12/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Indian Rock LLC in Corte Madera, CA — $25K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
5/10/2022
Loan status
Committed
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
15
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
Trantingco LLC in El Dorado Hills, CA — $25K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
36 days
Approved
8/3/2022
First disbursed
9/8/2022
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
P2G TS1 LLC in Pinole, CA — $10K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$5K (50%)
Approval → funding
9 days
Approved
9/26/2022
First disbursed
10/5/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
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

Buying a Teaspoon 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.

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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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Teaspoon loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Teaspoon 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.

$321K typical Teaspoon loan
3 lenders active in California
15+ funded California deals
14 days typical to fund

Buyers buying a Teaspoon 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 Teaspoon 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/teaspoon/california
API:: https://www.capbench.com/api/public/lenders?franchise=teaspoon
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.