How much do lenders finance for a Summer Moon Coffee Shop franchise?

The median SBA loan approved for a Summer Moon Coffee Shop franchise is $507,500, with the middle 80% of loans between $300,000 and $950,000. 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 Summer Moon Coffee Shop franchises?

By dollars approved, the most active SBA lenders for Summer Moon Coffee Shop have been Frost Bank, The Fidelity Bank, Gulf Coast Bank and Trust Company, Community Banks of Colorado, A Division of NBH 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 Summer Moon Coffee Shop 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 Summer Moon Coffee Shop franchise

SBA lenders have approved 32 loans against the Summer Moon Coffee Shop brand since FY2010, totalling $20.1M. The median approval was $507,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#698

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$507,500

Typical range

$300K-$950K

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 Summer Moon Coffee Shop

Lender	Loans	Approved
Frost Bank	4	$3.4M
The Fidelity Bank	3	$2.4M
Gulf Coast Bank and Trust Company	5	$2.2M
Community Banks of Colorado, A Division of NBH Bank	1	$2.1M
UMB Bank	3	$1.9M
First Internet Bank of Indiana	2	$1.3M
b1BANK	1	$1.2M
Bank7	4	$1.2M

Geography

Where Summer Moon Coffee Shop units were financed

State	Loans	Share
Texas	17
Oklahoma	5
North Carolina	3
Wisconsin	2
Illinois	2
Alabama	1
Florida	1
Tennessee	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

$50K - $150K
3%
$150K - $350K
13%
$350K - $1M
75%
$1M - $2M
6%
Over $2M
3%

Financing a Summer Moon Coffee Shop: common questions

How much do lenders finance for a Summer Moon Coffee Shop franchise?: The median SBA loan approved for a Summer Moon Coffee Shop franchise is $507,500, with the middle 80% of loans between $300,000 and $950,000. 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 Summer Moon Coffee Shop franchises?: By dollars approved, the most active SBA lenders for Summer Moon Coffee Shop have been Frost Bank, The Fidelity Bank, Gulf Coast Bank and Trust Company, Community Banks of Colorado, A Division of NBH 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 Summer Moon Coffee Shop 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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