Coffee and Tea Manufacturing: SBA business acquisition loan data
20 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Coffee and Tea Manufacturing (NAICS 311920), totaling $17.8M. Median loan $258,500, 60% lower than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,358,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #292 of 300 industries tracked.
- Geography. Washington leads with 3 loans; the top five states account for 50% of the industry's acquisitions.
- Jobs. Lenders reported 226 jobs supported across these loans, about 11.3 per acquisition, a rough proxy for the size of business changing hands.
Coffee and Tea Manufacturing acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $5.6M | $2,787,000 | |
| FY2019 | 4 | $4.5M | $200,050 | |
| FY2020 | 3 | $348K | $57,500 | |
| FY2021 | 5 | $4.6M | $536,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 2 | $358K | $178,750 | |
| FY2024 | 1 | $450K | $450,000 | |
| FY2025 | 2 | $1.8M | $887,000 | |
| FY2026 | 1 | $230K | $230,000 |
How often do these acquisition loans fail?
Fewer than 20 Coffee and Tea Manufacturing acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Washington | 3 | 15.0% | $4.3M | |
| 2 | Wisconsin | 3 | 15.0% | $3.7M | |
| 3 | California | 2 | 10.0% | $3.1M | |
| 4 | Pennsylvania | 1 | 5.0% | $2.8M | |
| 5 | Tennessee | 1 | 5.0% | $1.5M | |
| 6 | Massachusetts | 1 | 5.0% | $536K | |
| 7 | Virginia | 1 | 5.0% | $450K | |
| 8 | Oregon | 1 | 5.0% | $420K | |
| 9 | Georgia | 1 | 5.0% | $242K | |
| 10 | North Carolina | 1 | 5.0% | $230K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Northwest Bank | 2 | 10.0% | $4.1M | |
| 2 | Live Oak Banking Company | 2 | 10.0% | $1.4M | |
| 3 | First Commonwealth Bank | 1 | 5.0% | $2.8M | |
| 4 | U.S. Bank, National Association | 1 | 5.0% | $2.8M | |
| 5 | Minnwest Bank | 1 | 5.0% | $2.3M | |
| 6 | Studio Bank | 1 | 5.0% | $1.5M | |
| 7 | Avidia Bank | 1 | 5.0% | $536K | |
| 8 | Potomac Bank | 1 | 5.0% | $450K | |
| 9 | BayFirst National Bank | 1 | 5.0% | $420K | |
| 10 | Mechanics Bank | 1 | 5.0% | $275K |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Coffee and Tea Manufacturing?
Median $258,500 across 20 acquisition loans (FY2018 to FY2026); the middle half ran $126,900 to $1,358,000. That is 60% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Coffee and Tea Manufacturing acquisitions?
Northwest Bank (2), Live Oak Banking Company (2), First Commonwealth Bank (1), U.S. Bank, National Association (1), Minnwest Bank (1).
Are businesses in Coffee and Tea Manufacturing often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Coffee and Tea Manufacturing?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Coffee and Tea Manufacturing acquisitions?
Median term 10 years, average initial rate 7.21% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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