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Rates
Caffino

Caffino

The total investment to open a Caffino franchise ranges from $153,400 to $286,800. The initial franchise fee is $10,000. Ongoing royalties are 8%.

What is the Caffino franchise?

Caffino was established in 1993 when its first location opened in Napa, California. The brand began franchising in 2002 and now has 19 franchise locations, concentrated in California, while registration efforts are underway in Arizona and Nevada. Caffino operates in the Limited Service Restaurants category, which generated $315.1 billion in U.S. market value in 2024. The global coffee franchise market was valued at $115.5 billion in 2025. Caffino remains a regional brand rather than a national chain, with a drive thru espresso bar format and more than three decades of operating history. PeerSense provides independent franchise research for buyers evaluating the brand, including financial and market context rather than a franchisor sales presentation.

The global Limited Service Restaurants market was valued at $1.2 trillion in 2024 and is projected to reach $1.4 trillion by 2030, with a compound annual growth rate of 3.2% over that period. Other projections estimate growth from $1,281.4 million in 2025 to $2,087.3 million by 2035, implying a CAGR of approximately 5.0% to 5.71% depending on the model. The global coffee franchise market is projected to grow from $115.5 billion in 2025 to $126.45 billion in 2026, $179.7 billion by 2030 at a CAGR of 9.2%, and $200.3 billion by 2031 at a CAGR of 8.3% from a 2021 base of $90.7 billion. Consumer interest in specialty coffee and premium espresso beverages supports demand, while busy lifestyles favor quick drive thru service. Social coffee occasions and younger consumers also contribute to brand loyalty and visit frequency. These trends align with Caffino's focused espresso bar model.

The initial Caffino franchise fee is $10,000. Total investment is reported at $212,900 to $373,000, while separate FDD data references a range of $153,400 to $286,800. Differences may reflect format, construction costs, geography, and site build out requirements. Buyers should also account for working capital, permitting, and the period before a new location reaches operating volume. The royalty rate is 8% of gross sales, compared with the 5% to 7% range charged by many comparable drive thru espresso concepts. Caffino requires $200,000 in liquid capital and a minimum net worth of $1,000,000. Marketing contributions are part of the system, although a specific advertising fund percentage has not been disclosed.

Caffino's operating model is built around a drive thru espresso bar serving premium coffee beverages with speed and courtesy. The company describes its management systems and training as "unparalleled in the industry in their thoroughness" and says its pre opening program provides 100% of the knowledge and tools needed to operate the business. Training also prepares owners to develop their own staff. Caffino assists with site selection, including factors such as traffic counts, access, visibility, demographics, and site economics. The franchise awarding process includes visits from company personnel and tours of operating espresso bars at company headquarters. Territory rights center on California, with expansion into Arizona and Nevada underway. The format requires an active owner operator or closely managed approach because staffing, equipment, supplies, and customer service need regular oversight.

Although the FTC Franchise Rule does not require franchisors to provide earnings claims, the omission places more responsibility on the buyer to develop unit financial estimates through other sources and franchisee conversations. At that revenue level, an 8% royalty would equal approximately $85,200 per year before rent, payroll, cost of goods, and other expenses. Prospective buyers should request financial statements from existing franchisees as permitted under FTC rules, consult a franchise attorney and an experienced CPA, and visit operating locations.

Caffino's 19 franchise locations represent a regional presence built through more than two decades of franchising since 2002. California remains the center of the system, consistent with the brand's Napa origins and the state's specialty coffee culture. Registration activity in Arizona and Nevada could broaden the territory base. Those states offer established drive thru coffee demand, population growth, suburban development, and consumer income levels that may support premium espresso concepts. Caffino's potential competitive advantages include its 30 year operating history, focused site selection process, and detailed training programs. Buyers should assess the brand's development of digital ordering, contactless payment, and loyalty programs. Repeat purchasing and habitual brand relationships are important revenue drivers in specialty coffee once a location builds a customer base.

The strongest Caffino candidate is an owner operator with local market knowledge, management experience, $200,000 in liquid capital, and a minimum net worth of $1,000,000. Operators in California would enter a market with an established brand presence. Those in Arizona and Nevada would be entering newly registered expansion territories and would need to build local awareness. Experience with commercial real estate, traffic analysis, or retail site strategy may help with the brand's site sensitive model. The high volume service format favors buyers who plan to participate in daily operations or who can manage service teams effectively. The development process includes the franchise awarding process, a headquarters visit and operating tour, site selection, lease negotiation, build out, and training. The expected period from a signed agreement to opening is six to twelve months, depending on construction and permitting.

Caffino offers a specialty coffee drive thru model with an initial fee of $10,000, a total investment range reported from $153,400 to $373,000, 19 locations, and expansion activity in Arizona and Nevada. The coffee franchise market is projected to grow from $115.5 billion in 2025 to $179.7 billion by 2030 at a 9.2% CAGR. A decision should follow review of the Franchise Disclosure Document, conversations with current franchisees, and independent financial modeling. PeerSense offers franchise research that includes SBA lending history, Loan Activity Score, location maps with Google ratings, FDD financial data, and comparison tools for reviewing Caffino alongside other coffee and limited service restaurant opportunities.

Loan Activity Score

17/100

SBA Default Rate

20.0%

Active Lenders

4

According to its Franchise Disclosure Document or public business records, Caffino has 3 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 5 loans to franchisees of Caffino. PeerSense calculates Caffino's score as 17 out of 100, using public SBA loan performance and recent lending activity.

Franchising since 1993 · 3 locations

Investment

$153,400 to $286,800

Franchise Fee

$10,000

Total Units

3

3 franchised

Loan Activity Score
Medium
17
SBA Lending
1
Lender Quality
5
Transparency
4
Reach
4
Momentum
3

Proprietary PeerSense metric

Limited
Capital Sources
4SBA lenders

Distinct lenders in public SBA records for Caffino

5

Total SBA loans

$219K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Caffino

Loan Activity Score Breakdown

Emerging (3 to 9 loans)

Medium Confidence
17out of 100
Limited
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety1/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence5/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency4/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint4/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

20.0%

vs 10.3% peer avg

SBA Loans

5

Total Volume

$1.1M

Active Lenders

4

States

2

vs. SBA Sector Average

-9.7%higher default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Data Insights

Key performance metrics for Caffino based on SBA lending data

SBA Default Rate

20.0%

9.7% above peer avg

SBA Loan Volume

5 loans

Across 4 lenders

Lender Diversity

4 lenders

Avg 1.3 loans per lender

Investment Tier

Mid range investment

$153,400 to $286,800 total

Caffino: 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

2008

2 approvals. The best year on record for Caffino.

Top SBA State

South Carolina

3 SBA financed Caffino locations, the densest operator footprint.

Average Loan Size

$219K

Median $216K. Use as a sizing anchor when modeling your own Caffino unit.

Lender Concentration

80%

Concentrated

Share of Caffino approvals captured by the top 3 SBA lenders.

Caffino's SBA lending pipeline peaked in 2008 (2 approvals). Operator density is highest in South Carolina with 3 SBA financed locations. Average funded ticket sits at $219K, with the median at $216K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals. Credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$123K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,588

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

Caffino, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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Caffino

Page Review

Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense

  • PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and 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