How much do lenders finance for a Just Love Coffee Cafe franchise?

The median SBA loan approved for a Just Love Coffee Cafe franchise is $350,000, with the middle 80% of loans between $30,000 and $658,700. 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 Just Love Coffee Cafe franchises?

By dollars approved, the most active SBA lenders for Just Love Coffee Cafe have been The Huntington National Bank, Sonata Bank, United Community Bank, First Bank of the Lake. 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 Just Love Coffee 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 Just Love Coffee Cafe franchise

SBA lenders have approved 44 loans against the Just Love Coffee Cafe brand since FY2010, totalling $15.8M. The median approval was $350,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#514

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$350,000

Typical range

$30K-$659K

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 Just Love Coffee Cafe

Lender	Loans	Approved
The Huntington National Bank	21	$5.4M
Sonata Bank	5	$2.8M
United Community Bank	3	$1.5M
First Bank of the Lake	2	$1.3M
North State Bank	3	$1.0M
TowneBank	2	$782K
Horizon Bank	1	$752K
Byline Bank	1	$475K

Geography

Where Just Love Coffee Cafe units were financed

State	Loans	Share
Tennessee	10
Texas	9
Florida	4
Alabama	3
Georgia	2
Indiana	2
Missouri	2
North Carolina	2

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’24

’25

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
18%
$50K - $150K
5%
$150K - $350K
20%
$350K - $1M
57%

Financing a Just Love Coffee Cafe: common questions

How much do lenders finance for a Just Love Coffee Cafe franchise?: The median SBA loan approved for a Just Love Coffee Cafe franchise is $350,000, with the middle 80% of loans between $30,000 and $658,700. 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 Just Love Coffee Cafe franchises?: By dollars approved, the most active SBA lenders for Just Love Coffee Cafe have been The Huntington National Bank, Sonata Bank, United Community Bank, First Bank of the Lake. 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 Just Love Coffee 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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