Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Scooter’s Coffee franchise? Not all lenders are equal — some banks fund dozens of Scooter’s Coffee deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for Scooter’s Coffee in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Scooter’s Coffee (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Cadence Bank | 13 | $15.4M | 9.46% |
| 2 | The Huntington National Bank | 4 | $2.6M | 8.56% |
| 3 | Byline Bank | 3 | $2.9M | 9.67% |
| 4 | Union Bank and Trust Company | 3 | $2.3M | 7.70% |
| 5 | Pinnacle Bank | 3 | $2.5M | 8.75% |
| 6 | Bank Five Nine | 2 | $334K | 9.25% |
| 7 | Customers Bank | 2 | $2.5M | 8.50% |
| 8 | First Savings Bank | 2 | $3.4M | 9.88% |
| 9 | First Bank of the Lake | 2 | $2.4M | 9.25% |
| 10 | Wilmington Savings Fund Society FSB | 2 | $1.5M | 9.75% |
| 11 | Community Financial Services Bank | 1 | $1.5M | 10.25% |
| 12 | First Bank & Trust | 1 | $1.0M | 7.50% |
| 13 | Brookline Bank, a Division of Beacon Bank and Trust | 1 | $2.9M | 9.25% |
| 14 | Capital One, National Association | 1 | $2.5M | 7.07% |
| 15 | FCNB Bank | 1 | $1.7M | 7.25% |
Key Stats
- Total SBA loans for Scooter’s Coffee in 2025: 46
- Total volume: $50.0M
- Average loan size: $1.1M
- Average interest rate: 9.00%
- Rate range: 6.99% – 10.25%
- Top states: Illinois (9), Tennessee (7), Missouri (4), South Carolina (3), Wisconsin (3), Nebraska (3), North Carolina (2), Indiana (2), Arizona (2), Texas (2)
Why lender choice matters: The rate spread for Scooter’s Coffee loans ranges from 6.99% to 10.25%. On a $1.1M loan, that’s a difference of $35K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Scooter’s Coffee
- Work with a lender who knows Scooter’s Coffee — The lenders above have funded multiple Scooter’s Coffee deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for Scooter’s Coffee?
GoSBA submits your Scooter’s Coffee deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
