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Food & Restaurants · lender intelligence

How to finance a The Human Bean

The SBA 7(a) lenders funding the most The Human Bean deals, ranked from public loan records — typical The Human Bean loan about $707K, 15.38% failure rate across 32 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance The Human Bean

$707K

Typical loan

range $304K–$965K

$786K

Est. purchase price

≈ loan ÷ 90%

$107,720

Cash to close

$78,556 down + fees

$9,148/mo

Typical payment

~9.5% · 10yr

$126,242/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

84.6%

Still performing

15.4% default · FY20–23

26 days

Typical time to fund

18

Lenders competing

more = leverage

8.09%

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 The Human Bean

Ranked by funded The Human Bean loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.13 loans · $18M · Roseburg, ORFull record →
  3. 3.328 loans · $134M · Cleveland, OHFull record →
  4. 4.54 loans · $22M · Chubbuck, IDFull record →
  5. 5.4 loans · $4M · El Campo, TXFull record →
  6. 6.99 loans · $43M · Walla Walla, WAFull record →
  7. 7.24 loans · $17M · Wayne, PAFull record →
  8. 8.97 loans · $156M · Clayton, MOFull record →
  9. 9.9 loans · $3M · Sioux Falls, SDFull record →
  10. 10.79 loans · $53M · Gulfport, MSFull record →
  11. 11.58 loans · $51M · Burlington, KYFull record →
  12. 12.31 loans · $24M · Malvern, PAFull record →
  13. 13.9 loans · $13M · Atlanta, GAFull record →
  14. 14.26 loans · $42M · Chicago, ILFull record →
  15. 15.54 loans · $15M · University Park, TXFull record →
  16. 16.66 loans · $68M · Milford, IAFull record →
  17. 17.129 loans · $234M · New York, NYFull record →

32+ funded The Human Bean 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.

  • CLEHB PARMA LLC in Parma, OH — $1.3M (2026) · Heritage Bank Inc
  • Grounded Investments LLC in Winter Springs, FL — $1.2M (2025) · Hancock Whitney Bank
  • MRJ Coffee Co. in Columbus, GA — $1.5M (2024) · Port 51 Lending LLC
  • Ren Holdings LLC in Sioux Falls, SD — $998K (2024) · The First National Bank in Sioux Falls
  • THE HUMAN BEAN in Mentor, OH — $920K (2024) · The Huntington National Bank
  • JMJB, LLC in San Antonio, TX — $304K (2024) · Prosperity Bank
  • Pine Roots Properties, LLC in Woodland Park, CO — $1.8M (2023) · Columbia Bank
  • Family N Family Finance LLC in Bedford Heights, OH — $980K (2023) · The Huntington National Bank
  • Muggle Bean, Inc. in Riverton, UT — $965K (2023) · United Community Bank
  • Fix N' Sips Coffee Corp. in Cambridge, OH — $946K (2023) · The Huntington National Bank
  • JMJB, LLC in San Antonio, TX — $406K (2023) · Prosperity Bank
  • Thank You for Bean a Friend LLC in Georgetown, TX — $295K (2023) · The Huntington National Bank
  • Bee Knee Investments, LLC in Lubbock, TX — $224K (2023) · PlainsCapital Bank
  • JBJ Coffee Co in Spokane, WA — $181K (2023) · Banner Bank
  • Thank You for Bean a Friend LLC in Georgetown, TX — $40K (2023) · The Huntington National Bank
  • Fix N' Sips Coffee Corp. in Cambridge, OH — $30K (2023) · The Huntington National Bank
  • HBOH Perry LLC in Canton, OH — $890K (2022) · KeyBank National Association
  • Little Creek Coffee LLC in Pocatello, ID — $880K (2022) · Idaho Central CU
  • Rikesh, LLC in Fort Oglethorpe, GA — $795K (2022) · FWBank
  • C & C Coffee LLC in Vancouver, WA — $25K (2022) · Columbia Bank

Buying a The Human Bean? 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.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to The Human Bean businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a The Human Bean 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 Huntington National Bank funds the most. CapBench is not a lender.

  • $707K typical The Human Bean loan
  • 15.38% failure rate (FY20–23)
  • 18 lenders fund the brand
  • 26 days typical to fund

Buyers researching a The Human Bean 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 dealTalk to a loan brokerThe Human Bean record
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/the-human-bean
API:
https://www.capbench.com/api/public/lenders?franchise=the-human-bean
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.
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