How much do lenders finance for a Grain and Berry Cafe franchise?

The median SBA loan approved for a Grain and Berry Cafe franchise is $438,000, with the middle 80% of loans between $50,000 and $555,000. 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 Grain and Berry Cafe franchises?

By dollars approved, the most active SBA lenders for Grain and Berry Cafe have been The Huntington National Bank, Byline Bank, Lake Michigan CU, First Internet Bank of Indiana. 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 Grain and Berry Cafe 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 Grain and Berry Cafe franchise

SBA lenders have approved 27 loans against the Grain and Berry Cafe brand since FY2010, totalling $10.4M. The median approval was $438,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#795

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$438,000

Typical range

$50K-$555K

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 Grain and Berry Cafe

Lender	Loans	Approved
The Huntington National Bank	12	$3.3M
Byline Bank	4	$2.2M
Lake Michigan CU	3	$1.3M
First Internet Bank of Indiana	2	$1.1M
Port 51 Lending LLC	1	$500K
The State Bank and Trust Company	1	$495K
FDIC - Community Bank & Trust-West Georgia	1	$439K
Magnifi Financial CU	1	$376K

Geography

Where Grain and Berry Cafe units were financed

State	Loans	Share
Florida	10
Texas	9
North Carolina	2
Tennessee	1
Indiana	1
Pennsylvania	1
Ohio	1
Maryland	1

Approvals by fiscal year

’20

’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
7%
$50K - $150K
11%
$150K - $350K
7%
$350K - $1M
74%

Financing a Grain and Berry Cafe: common questions

How much do lenders finance for a Grain and Berry Cafe franchise?: The median SBA loan approved for a Grain and Berry Cafe franchise is $438,000, with the middle 80% of loans between $50,000 and $555,000. 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 Grain and Berry Cafe franchises?: By dollars approved, the most active SBA lenders for Grain and Berry Cafe have been The Huntington National Bank, Byline Bank, Lake Michigan CU, First Internet Bank of Indiana. 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 Grain and Berry Cafe 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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