Food & Restaurants · lender intelligence
How to finance a Tim Hortons in New Jersey
The SBA 7(a) lenders funding the most Tim Hortons deals in New Jersey, from public loan records — typical Tim Hortons loan about $832K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Tim Hortons in New Jersey
$1.98M
Typical loan
range $1.73M–$1.98M
$2.19M
Est. purchase price
≈ loan ÷ 90%
$302,116
Cash to close
$219,444 down + fees
$25,556/mo
Typical payment
~9.5% · 10yr
$352,673/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
166 days
Typical time to fund
2
Lenders competing
more = leverage
10.75%
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 in New Jersey
Ranked by funded Tim Hortons loans in New Jersey. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.88 loans · $96M · Muncie, INFull record →
- 2.9 loans · $10M · Garden City Park, NYFull record →
2+ funded Tim Hortons in New Jersey 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.
- COLONIA CAFE & BAKE, LLC in Colonia, NJ — $2.0M (2024) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 309 months
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 57 days
- Approved
- 8/27/2024
- First disbursed
- 10/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
- Tim Hortons in Pennsauken, NJ — $1.7M (2024) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 309 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 166 days
- Approved
- 7/10/2024
- First disbursed
- 12/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Tim Hortons in New Jersey? 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 Tim Hortons loans with a New Jersey project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Tim Hortons purchase in New Jersey with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New Jersey deals. First Merchants Bank funds the most here. CapBench is not a lender.
- $832K typical Tim Hortons loan
- 2 lenders active in New Jersey
- 2+ funded New Jersey deals
- 166 days typical to fund
Buyers buying a Tim Hortons in New Jersey 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 2026-06-22.
- 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.