Food & Restaurants · lender intelligence
How to finance a The Human Bean in Washington
The SBA 7(a) lenders funding the most The Human Bean deals in Washington, from public loan records — typical The Human Bean loan about $707K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance The Human Bean in Washington
$181K
Typical loan
range $100K–$241K
$201K
Est. purchase price
≈ loan ÷ 90%
$26,914
Cash to close
$20,122 down + fees
$2,651/mo
Typical payment
~12.5% · 10yr
$36,584/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
43 days
Typical time to fund
2
Lenders competing
more = leverage
7.55%
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 in Washington
Ranked by funded The Human Bean loans in Washington. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.13 loans · $18M · Roseburg, ORFull record →
- 2.99 loans · $43M · Walla Walla, WAFull record →
5+ funded The Human Bean in Washington 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.
- JBJ Coffee Co in Spokane, WA — $181K (2023) · Banner Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $91K (50%)
- Approval → funding
- 14 days
- Approved
- 9/21/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
- C & C Coffee LLC in Vancouver, WA — $25K (2022) · Columbia Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 11 days
- Approved
- 8/22/2022
- First disbursed
- 9/2/2022
- Loan status
- Failed — $25K charged off (6/26/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
- Jaime's Java, LLC in College Place, WA — $512K (2020) · Banner Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 134 months
- SBA guaranteed
- $384K (75%)
- Approval → funding
- 70 days
- Approved
- 1/21/2020
- First disbursed
- 3/31/2020
- 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 Banner Bank · Lender record →
Your business? Claim this record · Request removal
- B & T Coffee LLC in Vancouver, WA — $241K (2020) · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 61 months
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 43 days
- Approved
- 3/18/2020
- First disbursed
- 4/30/2020
- Loan status
- Failed — $172K charged off (4/2/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
- B & T Coffee LLC in Vancouver, WA — $100K (2020) · Columbia Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 43 days
- Approved
- 3/18/2020
- First disbursed
- 4/30/2020
- Loan status
- Failed — $80K charged off (1/31/2025)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Buying a The Human Bean in Washington? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded The Human Bean loans with a Washington project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a The Human Bean purchase in Washington with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Washington deals. Columbia Bank funds the most here. CapBench is not a lender.
- $707K typical The Human Bean loan
- 2 lenders active in Washington
- 5+ funded Washington deals
- 43 days typical to fund
Buyers buying a The Human Bean in Washington 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
- 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.