Barnie's Coffee & Tea Company
The total investment to open a Barnie's Coffee & Tea Company franchise ranges from $133,000 to $400,000. The initial franchise fee is $25,000. Ongoing royalties are 7%.
What is the Barnie's Coffee & Tea Company franchise?
Barnie's Coffee & Tea Company is a coffee and tea business that sells drinks and snacks to customers. Estimated total initial investment is $133,000 to $400,000, and the initial franchise fee is $25,000.
The ongoing royalty is 7 percent of sales. The company was founded in 1980 and is headquartered in Kissimmee, Florida.
Loan Activity Score
16/100
SBA Default Rate
36.4%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, Barnie's Coffee & Tea Company has 7 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 11 loans to franchisees of Barnie's Coffee & Tea Company. PeerSense calculates Barnie's Coffee & Tea Company's score as 16 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1980 · 7 locations
$133,000 to $400,000
$25,000
7
7 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Barnie's Coffee & Tea Company
11
Total SBA loans
$225K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Barnie's Coffee & Tea Company
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
36.4%
vs 10.3% peer avg
SBA Loans
11
Total Volume
$2.5M
Active Lenders
9
States
3
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 Barnie's Coffee & Tea Company based on SBA lending data
SBA Default Rate
36.4%
26.1% above peer avg
SBA Loan Volume
11 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$133,000 to $400,000 total
Barnie's Coffee & Tea Company: 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
2005
6 approvals. The best year on record for Barnie's Coffee & Tea Company.
Top SBA State
Florida
7 SBA financed Barnie's Coffee & Tea Company locations, the densest operator footprint.
Average Loan Size
$225K
Median $192K. Use as a sizing anchor when modeling your own Barnie's Coffee & Tea Company unit.
Lender Concentration
45.5%
Concentrated
Share of Barnie's Coffee & Tea Company approvals captured by the top 3 SBA lenders.
Barnie's Coffee & Tea Company's SBA lending pipeline peaked in 2005 (6 approvals). Operator density is highest in Florida with 7 SBA financed locations. Average funded ticket sits at $225K, with the median at $192K. Lender mix is concentrated: the top three SBA lenders account for 45.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,377
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
Barnie's Coffee & Tea Company, 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