How much do lenders finance for a Sweetwaters Coffee & Tea franchise?

The median SBA loan approved for a Sweetwaters Coffee & Tea franchise is $301,300, with the middle 80% of loans between $50,000 and $500,000. 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 Sweetwaters Coffee & Tea franchises?

By dollars approved, the most active SBA lenders for Sweetwaters Coffee & Tea have been The Huntington National Bank, Wells Fargo Bank, BankUnited, First Commonwealth 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 Sweetwaters Coffee & Tea 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 Sweetwaters Coffee & Tea franchise

SBA lenders have approved 19 loans against the Sweetwaters Coffee & Tea brand since FY2010, totalling $6.1M. The median approval was $301,300. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1016

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$301,300

Typical range

$50K-$500K

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 Sweetwaters Coffee & Tea

Lender	Loans	Approved
The Huntington National Bank	5	$1.4M
Wells Fargo Bank	3	$1.2M
BankUnited	2	$619K
First Commonwealth Bank	1	$505K
Stearns Bank	2	$504K
Midwest Regional Bank	1	$500K
Southern Bank	1	$413K
Bank OZK	1	$406K

Geography

Where Sweetwaters Coffee & Tea units were financed

State	Loans	Share
Ohio	4
Michigan	4
Texas	3
Illinois	2
California	1
Colorado	1
New York	1
New Jersey	1

Approvals by fiscal year

’18

’19

’20

’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
5%
$50K - $150K
11%
$150K - $350K
37%
$350K - $1M
47%

Financing a Sweetwaters Coffee & Tea: common questions

How much do lenders finance for a Sweetwaters Coffee & Tea franchise?: The median SBA loan approved for a Sweetwaters Coffee & Tea franchise is $301,300, with the middle 80% of loans between $50,000 and $500,000. 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 Sweetwaters Coffee & Tea franchises?: By dollars approved, the most active SBA lenders for Sweetwaters Coffee & Tea have been The Huntington National Bank, Wells Fargo Bank, BankUnited, First Commonwealth 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 Sweetwaters Coffee & Tea 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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