HTeaO
63
SBA Loans
$64.9M
Total Financed
$1.0M
Avg Loan Size
+138%
YoY Loan Growth
How HTeaO Compares
- Ranks #32 of 1,075 Restaurants & Food brands by SBA loan count (#155 of 3,543 overall).
- Its average loan of $1.0M is 146% above the Restaurants & Food median of $419K.
- Its 0.0% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 7 | $3.8M |
| FY2021 | 3 | $1.4M |
| FY2022 | 9 | $12.1M |
| FY2023 | 4 | $4.1M |
| FY2024 | 8 | $6.0M |
| FY2025 | 19 | $30.0M |
| FY2026 | 13 | $7.6M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where HTeaO Is Getting SBA-Financed
Recent SBA-Financed HTeaO Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is HTeaO growing or shrinking?
HTeaO's SBA loan count grew +138% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.
How much does it cost to open a HTeaO franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $1.0M (146% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for HTeaO?
0 of 63 SBA loans to HTeaO franchisees (0.0%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.
Top SBA Lenders
- Bank Five Nine15
- The Huntington National Bank9
- BancFirst8
- Amistad Bank4
- Northwest Bank3
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset