How much do lenders finance for a Scooter's Coffeehouse franchise?

The median SBA loan approved for a Scooter's Coffeehouse franchise is $265,000, with the middle 80% of loans between $150,000 and $389,000. 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 Scooter's Coffeehouse franchises?

By dollars approved, the most active SBA lenders for Scooter's Coffeehouse have been Stearns Bank, The First National Bank in Sioux Falls, Northwest Bank, America First Federal Credit Union. 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 Scooter's Coffeehouse SBA loans?

The median term is 10.3 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 Scooter's Coffeehouse franchise

SBA lenders have approved 15 loans against the Scooter's Coffeehouse brand since FY2010, totalling $4.0M. The median approval was $265,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1171

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$265,000

Typical range

$150K-$389K

Middle 80% of loans

Median term

10.3 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 Scooter's Coffeehouse

Lender	Loans	Approved
Stearns Bank	4	$1.1M
The First National Bank in Sioux Falls	2	$609K
Northwest Bank	2	$493K
America First Federal Credit Union	1	$389K
Nebraska Economic Development Corporation	1	$388K
First National Bank of Omaha	1	$304K
CDC Small Business Finance Corp.	1	$218K
Ally Dakota Development, Inc.	1	$171K

Geography

Where Scooter's Coffeehouse units were financed

State	Loans	Share
Iowa	3
South Dakota	3
Nebraska	2
Arizona	2
Kansas	1
Utah	1
Florida	1
Oklahoma	1

Approvals by fiscal year

’10

’11

’14

’16

’17

’18

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

Loan sizes

$50K - $150K
7%
$150K - $350K
73%
$350K - $1M
20%

Financing a Scooter's Coffeehouse: common questions

How much do lenders finance for a Scooter's Coffeehouse franchise?: The median SBA loan approved for a Scooter's Coffeehouse franchise is $265,000, with the middle 80% of loans between $150,000 and $389,000. 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 Scooter's Coffeehouse franchises?: By dollars approved, the most active SBA lenders for Scooter's Coffeehouse have been Stearns Bank, The First National Bank in Sioux Falls, Northwest Bank, America First Federal Credit Union. 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 Scooter's Coffeehouse SBA loans?: The median term is 10.3 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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