How much do lenders finance for a Ellianos Coffee Company franchise?

The median SBA loan approved for a Ellianos Coffee Company franchise is $788,600, with the middle 80% of loans between $345,000 and $1,425,900. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Ellianos Coffee Company franchises?

By dollars approved, the most active SBA lenders for Ellianos Coffee Company have been First Federal Bank, First Port City Bank, Douglas National Bank, United Community Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Ellianos Coffee Company SBA loans?

The median term is 21 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Ellianos Coffee Company franchise

SBA lenders have approved 41 loans against the Ellianos Coffee Company brand since FY2010, totalling $32.9M. The median approval was $788,600. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#552

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$788,600

Typical range

$345K-$1.4M

Middle 80% of loans

Median term

21 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Ellianos Coffee Company

Lender	Loans	Approved
First Federal Bank	22	$21.0M
First Port City Bank	3	$2.2M
Douglas National Bank	3	$1.9M
United Community Bank	2	$1.9M
Renasant Bank	2	$1.8M
Florida Business Development Corporation	2	$1.1M
Florida First Capital Finance Corporation, Inc.	2	$1.0M
United Bank	1	$690K

Geography

Where Ellianos Coffee Company units were financed

State	Loans	Share
Florida	28
Georgia	12
North Carolina	1

Approvals by fiscal year

’19

’20

’21

’22

’23

’24

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$150K - $350K
12%
$350K - $1M
61%
$1M - $2M
27%

Financing a Ellianos Coffee Company: common questions

How much do lenders finance for a Ellianos Coffee Company franchise?: The median SBA loan approved for a Ellianos Coffee Company franchise is $788,600, with the middle 80% of loans between $345,000 and $1,425,900. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Ellianos Coffee Company franchises?: By dollars approved, the most active SBA lenders for Ellianos Coffee Company have been First Federal Bank, First Port City Bank, Douglas National Bank, United Community Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Ellianos Coffee Company SBA loans?: The median term is 21 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.