Retail & Shops · lender intelligence
How to finance a The Spice & Tea Exchange
The SBA 7(a) lenders funding the most The Spice & Tea Exchange deals, ranked from public loan records — typical The Spice & Tea Exchange loan about $247K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance The Spice & Tea Exchange
$247K
Typical loan
range $150K–$310K
$274K
Est. purchase price
≈ loan ÷ 90%
$36,707
Cash to close
$27,444 down + fees
$3,615/mo
Typical payment
~12.5% · 10yr
$49,887/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
20 days
Typical time to fund
10
Lenders competing
more = leverage
8.33%
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 Spice & Tea Exchange
Ranked by funded The Spice & Tea Exchange loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.318 loans · $229M · Osage Beach, MOFull record →
- 3.1,927 loans · $207M · Buffalo, NYFull record →
- 4.62 loans · $21M · Saint Cloud, MNFull record →
- 5.17 loans · $14M · Orlando, FLFull record →
- 6.88 loans · $96M · Muncie, INFull record →
- 7.21 loans · $11M · Little Rock, ARFull record →
- 8.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 9.5 loans · $0M · Duluth, MNFull record →
- 10.12 loans · $14M · Mobile, ALFull record →
21+ funded The Spice & Tea Exchange 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.
- JKLM COLLECTIVE INC in Noblesville, IN — $350K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 3 days
- Approved
- 8/19/2025
- First disbursed
- 8/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
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- Delpar Stone LLC in Frankenmuth, MI — $210K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 22 days
- Approved
- 11/5/2024
- First disbursed
- 11/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- All Other Specialty Food Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- STIR VENTURES, LLC in Hudson, OH — $200K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 2 days
- Approved
- 11/12/2024
- First disbursed
- 11/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JKLM COLLECTIVE INC in Noblesville, IN — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 8/19/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- STIR VENTURES, LLC in Hudson, OH — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 238 days
- Approved
- 11/12/2024
- First disbursed
- 7/8/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MAVRICK SPICE, LLC in New Canaan, CT — $500K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 125 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 71 days
- Approved
- 11/15/2023
- First disbursed
- 1/25/2024
- Loan status
- Current
- 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
- All Other Specialty Food Retailers
Funded by Readycap Lending, LLC · Lender record →
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- Bentonville S&TE, LLC in Bentonville, AR — $260K (2024) · ACC Capital
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approved
- 7/9/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by ACC Capital · Lender record →
Your business? Claim this record · Request removal
- THE SEASONING SHOPPE, LLC in New Albany, IN — $350K (2023) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 125 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 22 days
- Approved
- 3/9/2023
- First disbursed
- 3/31/2023
- Loan status
- Current
- 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
- All Other Specialty Food Retailers
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- Team MPMunroe, Inc. in Rochester, MI — $350K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 2 days
- Approved
- 8/1/2022
- First disbursed
- 8/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SKRW New Leaf Ventures, LLC in Chagrin Falls, OH — $310K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $233K (75%)
- Approval → funding
- 7 days
- Approved
- 4/5/2022
- First disbursed
- 4/12/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- 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
- Duluth- Spice & Teaz LLC in Duluth, MN — $290K (2022) · Members Cooperative Credit Union
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $145K (50%)
- Approval → funding
- 18 days
- Approved
- 3/31/2022
- First disbursed
- 4/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by Members Cooperative Credit Union · Lender record →
Your business? Claim this record · Request removal
- ST Mattis Enterprises LLC in Baltimore, MD — $256K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (50%)
- Approval → funding
- 28 days
- Approved
- 8/17/2022
- First disbursed
- 9/14/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- SKRW New Leaf Ventures, LLC in Chagrin Falls, OH — $40K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 4/5/2022
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- 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
- Team MPMunroe, Inc. in Rochester, MI — $30K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 2 days
- Approved
- 8/1/2022
- First disbursed
- 8/3/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- ST Mattis Enterprises LLC in Baltimore, MD — $30K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 28 days
- Approved
- 8/17/2022
- First disbursed
- 9/14/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Phynix Enterprise LLC in Panama City Beach, FL — $365K (2021) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $329K (90%)
- Approval → funding
- 9 days
- Approved
- 3/9/2021
- First disbursed
- 3/18/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Gift, Novelty, and Souvenir Stores
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Music City Spice LLC in Nashville, TN — $300K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (90%)
- Approval → funding
- 9 days
- Approved
- 9/21/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Una Vida Bendecida LLC in Fernandina Beach, FL — $241K (2021) · Cogent Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 124 months
- SBA guaranteed
- $217K (90%)
- Approval → funding
- 34 days
- Approved
- 2/5/2021
- First disbursed
- 3/11/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Spice and Extract Manufacturing
Funded by Cogent Bank · Lender record →
Your business? Claim this record · Request removal
- The Spice and Tea Exchange of Kannapolis in Kannapolis, NC — $230K (2021) · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $207K (90%)
- Approval → funding
- 8 days
- Approved
- 7/23/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Stores
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
- World Flavor LLC in Columbus, OH — $247K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 123 months
- SBA guaranteed
- $185K (75%)
- Approval → funding
- 23 days
- Approved
- 10/8/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (12/31/2024)
- 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
- All Other Specialty Food Stores
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a The Spice & Tea Exchange? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to The Spice & Tea Exchange businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a The Spice & Tea Exchange 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.
- $247K typical The Spice & Tea Exchange loan
- 10 lenders fund the brand
- 20 days typical to fund
Buyers researching a The Spice & Tea Exchange 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 2026-06-22.
- 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.