Franchise financing
Scooter's Coffee franchise financing
What it costs to finance a Scooter's 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
- 324
- Total funded
- $312.2M
- Median loan
- $934K
- 7(a) charge-off
- 0.3%
What financing a Scooter's Coffee franchise costs
The median SBA loan to a Scooter's Coffee franchisee is $934K, and the middle half of Scooter's Coffee's 324 loans run $546K to $1.3M (average $964K). Across all SBA-financed franchises the median loan is $350K. Scooter's Coffee buyers borrow more 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 Scooter's Coffee loan runs about 24 years (286 months). Model your numbers with the franchise financing calculator.
Of the 321 Scooter's Coffee loans where the SBA recorded a business age, 84.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Scooter's Coffee
Scooter's Coffee franchisees have financed with 324 SBA loans since FY2010, averaging $964K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (293 of the 324 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Scooter's Coffee's 7(a) charge-off rate is 0.3% across 293 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Scooter's Coffee
By SBA loan count
Where Scooter's Coffee gets funded
Top states by loan count
- 1. Texas 41
- 2. Illinois 29
- 3. Tennessee 20
- 4. Florida 18
- 5. Missouri 19
- 6. Kansas 18
- 7. Indiana 12
- 8. Minnesota 18
Financing a Scooter's 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.
Scooter's Coffee SBA financing FAQ
How much does a Scooter's Coffee franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Scooter's Coffee franchisee is $934K, and the middle half of Scooter's Coffee's 324 loans run $546K to $1.3M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Scooter's Coffee's franchise disclosure document.
Can you use an SBA loan for Scooter's Coffee?
Yes. Lenders have funded 324 SBA loans to Scooter's Coffee franchisees, worth $312.2M in all, so Scooter's Coffee is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Scooter's Coffee?
The data says yes: of Scooter's Coffee's 321 SBA loans that record a business age, 84.4% 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 Scooter's Coffee?
By loan count, the most active SBA lenders for Scooter's Coffee are The Huntington National Bank, Luminate Bank, KeyBank National Association, among others. A lender already active with your brand often moves faster.
What is Scooter's Coffee's SBA charge-off rate?
Across Scooter's Coffee's 293 SBA 7(a) loans, 0.3% 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 Scooter's Coffee?
Mostly 7(a): 293 of Scooter's Coffee's 324 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Scooter's Coffee loan term is about 24 years (286 months).