How much do lenders finance for a Gong Cha franchise?

The median SBA loan approved for a Gong Cha franchise is $260,200, with the middle 80% of loans between $112,000 and $383,500. 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 Gong Cha franchises?

By dollars approved, the most active SBA lenders for Gong Cha have been First Bank of the Lake, FWBank, The Huntington National Bank, The Bank of Princeton. 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 Gong Cha SBA loans?

The median term is 10 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 Gong Cha franchise

SBA lenders have approved 17 loans against the Gong Cha brand since FY2010, totalling $4.5M. The median approval was $260,200. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1098

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$260,200

Typical range

$112K-$384K

Middle 80% of loans

Median term

10 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 Gong Cha

Lender	Loans	Approved
First Bank of the Lake	1	$750K
FWBank	1	$564K
The Huntington National Bank	3	$559K
The Bank of Princeton	2	$485K
Firstrust Savings Bank	1	$380K
Provident Bank	1	$350K
Patriot Bank	1	$330K
PNC Bank	1	$265K

Geography

Where Gong Cha units were financed

State	Loans	Share
Texas	6
New York	3
New Jersey	3
Pennsylvania	1
Ohio	1
Tennessee	1
Maine	1
California	1

Approvals by fiscal year

’18

’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

Under $50K
12%
$50K - $150K
12%
$150K - $350K
47%
$350K - $1M
29%

Financing a Gong Cha: common questions

How much do lenders finance for a Gong Cha franchise?: The median SBA loan approved for a Gong Cha franchise is $260,200, with the middle 80% of loans between $112,000 and $383,500. 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 Gong Cha franchises?: By dollars approved, the most active SBA lenders for Gong Cha have been First Bank of the Lake, FWBank, The Huntington National Bank, The Bank of Princeton. 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 Gong Cha SBA loans?: The median term is 10 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.

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