Franchise financing
Biggby Coffee franchise financing
What it costs to finance a Biggby Coffee franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 286
- Total funded
- $79.8M
- Median loan
- $235K
- 7(a) charge-off
- 0.4%
What financing a Biggby Coffee franchise costs
The median SBA loan to a Biggby Coffee franchisee is $235K, and the middle half of Biggby Coffee's 286 loans run $125K to $375K (average $279K). Across all SBA-financed franchises the median loan is $350K. Biggby Coffee buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Biggby Coffee loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 280 Biggby Coffee loans where the SBA recorded a business age, 82.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Biggby Coffee
Biggby Coffee franchisees have financed with 286 SBA loans since FY2010, averaging $279K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (279 of the 286 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Biggby Coffee's 7(a) charge-off rate is 0.4% across 279 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Biggby Coffee
By SBA loan count
Where Biggby Coffee gets funded
Top states by loan count
- 1. Michigan 140
- 2. Ohio 53
- 3. Indiana 36
- 4. Illinois 13
- 5. Florida 12
- 6. Wisconsin 9
- 7. Kentucky 14
- 8. North Carolina 4
Financing a Biggby Coffee?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Biggby Coffee SBA financing FAQ
How much does a Biggby Coffee franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Biggby Coffee franchisee is $235K, and the middle half of Biggby Coffee's 286 loans run $125K to $375K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Biggby Coffee's franchise disclosure document.
Can you use an SBA loan for Biggby Coffee?
Yes. Lenders have funded 286 SBA loans to Biggby Coffee franchisees, worth $79.8M in all, so Biggby Coffee is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Biggby Coffee?
The data says yes: of Biggby Coffee's 280 SBA loans that record a business age, 82.9% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Biggby Coffee?
By loan count, the most active SBA lenders for Biggby Coffee are The Huntington National Bank, Capitol National Bank, First Commonwealth Bank, among others. A lender already active with your brand often moves faster.
What is Biggby Coffee's SBA charge-off rate?
Across Biggby Coffee's 279 SBA 7(a) loans, 0.4% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Biggby Coffee?
Mostly 7(a): 279 of Biggby Coffee's 286 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Biggby Coffee loan term is 10 years.