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Food & Restaurants · lender intelligence

How to finance a Tim Hortons

The SBA 7(a) lenders funding the most Tim Hortons deals, ranked from public loan records — typical Tim Hortons loan about $832K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Tim Hortons

$832K

Typical loan

range $362K–$1.98M

$924K

Est. purchase price

≈ loan ÷ 90%

$126,764

Cash to close

$92,444 down + fees

$10,766/mo

Typical payment

~9.5% · 10yr

$148,571/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

59 days

Typical time to fund

6

Lenders competing

more = leverage

8.34%

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 Tim Hortons

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

  1. 1.1 loans · $1M · Mount Pleasant, MIFull record →
  2. 2.88 loans · $96M · Muncie, INFull record →
  3. 3.65 loans · $52M · Lancaster, PAFull record →
  4. 4.9 loans · $10M · Garden City Park, NYFull record →
  5. 5.274 loans · $315M · Los Angeles, CAFull record →
  6. 6.35 loans · $33M · Providence, RIFull record →

8+ funded Tim Hortons 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.

  • Glasgow Tim Hortons, LLC in Newark, DE — $3.4M (2025) · Fulton Bank, National Association
  • East VA Enterprises LLC in Norfolk, VA — $832K (2025) · Bank of Hope
  • COLONIA CAFE & BAKE, LLC in Colonia, NJ — $2.0M (2024) · Hanover Community Bank
  • Tim Hortons in Pennsauken, NJ — $1.7M (2024) · First Merchants Bank
  • Timbit, LLC in Bay City, MI — $266K (2024) · Isabella Bank
  • Holland Brewing Company, Inc. in South Wales, NY — $700K (2021) · Citizens Bank, National Association
  • TwoCan Inc in Midland, MI — $362K (2020) · Isabella Bank
  • Boniko, LLC in Bay City, MI — $362K (2020) · Isabella Bank

Buying a Tim Hortons? 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 Tim Hortons businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Tim Hortons 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. Isabella Bank funds the most. CapBench is not a lender.

  • $832K typical Tim Hortons loan
  • 6 lenders fund the brand
  • 59 days typical to fund

Buyers researching a Tim Hortons 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 brokerTim Hortons 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/tim-hortons
API:
https://www.capbench.com/api/public/lenders?franchise=tim-hortons
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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