Bad Ass Coffee Company (The)
The total investment to open a Bad Ass Coffee Company (The) franchise ranges from $40,500 to $221,500. The initial franchise fee is $44,250.
What is the Bad Ass Coffee Company (The) franchise?
Bad Ass Coffee Company (The) is a snack and drink business that sells coffee, other nonalcoholic beverages and snacks. The estimated total initial investment to open is $40,500 to $221,500, and the initial franchise fee is $44,250.
The company is headquartered in Santa Cruz, California.
Loan Activity Score
23/100
SBA Default Rate
33.3%
Active Lenders
14
According to its Franchise Disclosure Document or public business records, Bad Ass Coffee Company (The) has 12 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 18 loans to franchisees of Bad Ass Coffee Company (The). PeerSense calculates Bad Ass Coffee Company (The)'s score as 23 out of 100, using public SBA loan performance and recent lending activity.
12 locations
$40,500 to $221,500
$44,250
12
12 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Bad Ass Coffee Company (The)
18
Total SBA loans
$144K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Bad Ass Coffee Company (The)
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
33.3%
vs 10.3% peer avg
SBA Loans
18
Total Volume
$2.6M
Active Lenders
14
1 selective
States
10
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Bad Ass Coffee Company (The) based on SBA lending data
SBA Default Rate
33.3%
23.0% above peer avg
SBA Loan Volume
18 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$40,500 to $221,500 total
Bad Ass Coffee Company (The): Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2006
6 approvals. The best year on record for Bad Ass Coffee Company (The).
Top SBA State
California
5 SBA financed Bad Ass Coffee Company (The) locations, the densest operator footprint.
Average Loan Size
$144K
Median $158K. Use as a sizing anchor when modeling your own Bad Ass Coffee Company (The) unit.
Lender Concentration
38.9%
Moderately Spread
Share of Bad Ass Coffee Company (The) approvals captured by the top 3 SBA lenders.
Bad Ass Coffee Company (The)'s SBA lending pipeline peaked in 2006 (6 approvals). Operator density is highest in California with 5 SBA financed locations. Average funded ticket sits at $144K, with the median at $158K. Lender mix is moderately spread: the top three SBA lenders account for 38.9% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$419
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Bad Ass Coffee Company (The), unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman