Camille's Sidewalk Cafe
The total investment to open a Camille's Sidewalk Cafe franchise ranges from $149,000 to $396,520. The initial franchise fee is $30,000. Ongoing royalties are 7% plus a 1% advertising fee.
What is the Camille's Sidewalk Cafe franchise?
Camille's Sidewalk Cafe is a full service restaurant where guests dine on meals. Estimated total initial investment is $149,000 to $396,520, with an initial franchise fee of $30,000.
The royalty is 7 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement lasts 20 years.
Its headquarters are in San Jose, California. The brand was founded in 1996.
Loan Activity Score
23/100
SBA Default Rate
35.6%
Active Lenders
31
According to its Franchise Disclosure Document or public business records, Camille's Sidewalk Cafe has 35 locations, all owned by franchisees. Public SBA loan records show 31 lenders made 59 loans to franchisees of Camille's Sidewalk Cafe. PeerSense calculates Camille's Sidewalk Cafe's score as 23 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1996 · 35 locations
$149,000 to $396,520
$30,000
35
35 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Camille's Sidewalk Cafe
59
Total SBA loans
$276K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Camille's Sidewalk Cafe
Loan Activity Score Breakdown
Established (25 to 99 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
35.6%
vs 10.8% peer avg
SBA Loans
59
Total Volume
$16.3M
Active Lenders
31
4 selective
States
19
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 Camille's Sidewalk Cafe based on SBA lending data
SBA Default Rate
35.6%
24.8% above peer avg
SBA Loan Volume
59 loans
Across 31 lenders
Lender Diversity
31 lenders
Avg 1.9 loans per lender
Investment Tier
Mid range investment
$149,000 to $396,520 total
Camille's Sidewalk Cafe: 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
2004
20 approvals. The best year on record for Camille's Sidewalk Cafe.
Top SBA State
California
9 SBA financed Camille's Sidewalk Cafe locations, the densest operator footprint.
Average Loan Size
$276K
Median $290K. Use as a sizing anchor when modeling your own Camille's Sidewalk Cafe unit.
Lender Concentration
33.9%
Moderately Spread
Share of Camille's Sidewalk Cafe approvals captured by the top 3 SBA lenders.
Camille's Sidewalk Cafe's SBA lending pipeline peaked in 2004 (20 approvals). Operator density is highest in California with 9 SBA financed locations. Average funded ticket sits at $276K, with the median at $290K. Lender mix is moderately spread: the top three SBA lenders account for 33.9% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$1,542
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
Camille's Sidewalk Cafe, 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; 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