Franchise · SBA lending record
Biggby Coffee: how its 68 SBA loans actually performed
Snack and Nonalcoholic Beverage Bars · 224 units financed with SBA 7(a) loans since 2010 · 57 lenders have funded this brand.
No defaults on record
None of the 68 seasoned SBA loans to Biggby Coffee charged off within seven years — a 0.0% rate, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsFranchise disclosure documents are not required to tell you how many owners failed. This is computed from the federal record of every SBA loan made to this brand, so it is the outcome, not the pitch.
When owners got into trouble
share of failures by yearFailures usually cluster once the opening cash is spent and the first rent increase lands. Plan working capital for that window, not for month one.
Who still lends on it
last two fiscal years| Lender | Units funded |
|---|---|
| First Bank of the Lake | 4 |
| The Huntington National Bank | 3 |
| First Commonwealth Bank | 1 |
| The Dart Bank | 1 |
| Horizon Bank | 1 |
Fewer active lenders means less competition on your rate, and a harder time if the first bank declines.
Each year's owners, as they aged
cumulative % of loan dollars charged off| Opened | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2021 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
Each row is one year's crop of new owners. Read across to watch them age; read down a column to compare different years at the same point in their life. Blank cells are simply too recent to know.
Brands worth comparing against this one
A default rate only means something next to its neighbours. These are the brands yours is being compared against.
Before you sign anything
This page tells you how past owners fared with SBA debt. It does not tell you whether this brand suits you, what the territory looks like, or how the franchisor behaves. Ask for Item 19, talk to at least five current franchisees and two who left, and run your own numbers.
Check whether the numbers work → What the SBA Franchise Directory is →
Common questions
What percentage of Biggby Coffee franchises default on their SBA loans?
None. Of the 68 Biggby Coffee franchises that took an SBA 7(a) loan and are old enough to judge, zero had been charged off within seven years — a 0% default rate, against roughly 5.7% across all 7(a) loans. That is an unusually clean record.
Is Biggby Coffee a good franchise to buy with an SBA loan?
This page can only tell you how Biggby Coffee's SBA loans have performed, not whether it will work for you. A low default rate — Biggby Coffee sits at 0% — is a genuine positive: banks tend to lend more readily, and on better terms, to brands with a clean record. Still, treat it as one input alongside the franchise disclosure document and your own numbers.
How many Biggby Coffee franchises took SBA loans?
At least 68 Biggby Coffee franchises financed with an SBA 7(a) loan are now old enough to judge, and none of them have been charged off. Compare Biggby Coffee against other brands.