Skip to main content
Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
It's A Grind

It's A Grind

2 locations

It's A Grind currently operates 2 locations (2 franchised). The top SBA 7(a) lenders for It's A Grind are Cadence Bank and West Coast Community Bank. PeerSense FPI health score: 44/100.

Total Units

2

2 franchised

FPI Score
Low
44

Proprietary PeerSense metric

Fair
Capital Partners
2lenders available

Active capital sources verified for It's A Grind financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

New/Niche (1-2 loans)

Limited Data
44out of 100
Fair

SBA Lending Performance

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loans

2

Total Volume

$0.6M

Active Lenders

2

States

1

Top SBA Lenders for It's A Grind

What is the It's A Grind franchise?

The specialty coffee and snack bar category represents one of the most resilient consumer spending habits in modern retail — people prioritize their daily coffee ritual even during economic downturns, and the question serious franchise investors ask is not whether the market will grow, but which brand is best positioned to capture that growth. Its A Grind Coffee House answers that question with a founding story rooted in authenticity and a brand philosophy that deliberately stands apart from the corporate coffee giants dominating strip malls across America. Husband-and-wife team Marty Cox and Louise Montgomery opened the first Its A Grind coffeehouse in Long Beach, California in 1994, building from a single location into a five-unit operation by 2000 before franchising the concept in 2001 and reaching 105 locations across 14 states within that same year, with over 100 additional units in development at the time. The brand sources 100% Arabica whole beans directly from specialty-growing regions around the world, roasts them in small batches at its private Southern California roasting facility and test kitchen, and brews every blend fresh daily — a craft positioning that resonates strongly with the premiumization trend reshaping consumer beverage expectations. In 2014, Its A Grind was acquired by Retail Food Group USA, the American arm of a global franchise operator with over 2,500 units worldwide, bringing institutional infrastructure and international scale to a brand with deep West Coast roots. The corporate headquarters and roasting operation are anchored in Southern California at 14071 Stage Road, Santa Fe Springs, California 90670, keeping quality control and supply chain management tightly integrated. For franchise investors evaluating the Its A Grind franchise opportunity, this is an independent analytical assessment — not marketing copy — designed to surface the facts, figures, and strategic context needed to make a fully informed capital allocation decision in one of the most competitive segments of the food-and-beverage franchise universe.

The snack and nonalcoholic beverage bars market is one of the largest and most structurally attractive categories in the entire global franchise landscape, and understanding its size and trajectory is essential context for any Its A Grind franchise investment analysis. The global snack and non-alcoholic beverage bars market was estimated at $333.12 billion in 2025 and is projected to reach $352.46 billion in 2026, growing at a compound annual growth rate of 5.8%, while a parallel dataset sizes the market at $383.93 billion in 2022 expanding to $404.38 billion in 2023 at a 5.3% CAGR, with projections reaching $456.47 billion by 2030 at a 6.7% CAGR. Within that broader universe, the global non-alcoholic beverages segment specifically reached $1.42 billion in 2025 and is forecast to climb from $1.53 billion in 2026 to an estimated $2.93 billion by 2035, representing a 7.5% CAGR over that decade. North America is identified as the fastest-growing regional market in the forecast period, a particularly relevant data point for a brand with its operational concentration on the West Coast and active expansion plans across California, the Pacific Northwest, and beyond. Several powerful secular consumer trends are creating durable tailwinds for specialty coffee operators: the premiumization of everyday beverage consumption is driving consumers to pay more for craft and artisanal coffee experiences; a broad health and wellness shift is increasing demand for clean-label ingredients, functional beverages, and transparency in sourcing; plant-based menu integration is becoming a competitive necessity rather than a differentiator; and sustainability in packaging and ethical sourcing are moving from niche preferences to mainstream purchase criteria. Technology integration through mobile ordering apps, third-party delivery platforms including DoorDash, UberEats, and GrubHub, and in-store kiosk customization is redefining the convenience expectation for the daily coffee consumer. The category remains relatively fragmented outside of the two dominant global chains, which structurally creates opportunity for well-differentiated specialty concepts with authentic brand narratives, consistent product quality, and proven franchise systems to capture meaningful market share.

The Its A Grind franchise cost structure reflects a mid-tier specialty coffee investment with multiple data points available across different reporting periods, and serious investors should understand the ranges and what drives variation across them. The initial franchise fee is reported at $15,000 to $25,000 in December 2022 data, while more recent sourcing indicates a fee of $36,000, a figure that positions the Its A Grind franchise fee competitively within the specialty coffee category where franchise fees for established brands commonly run between $25,000 and $50,000. Total initial investment to open an Its A Grind Coffee House ranges from $173,150 to $473,000 based on 2022 data, with a more current estimate of $248,000 to $466,000 — a spread that reflects variables including geography, real estate market conditions, whether a location involves new construction or conversion of existing retail space, local permitting costs, equipment packages, and initial inventory and working capital requirements. Prospective franchisees must demonstrate liquid capital of at least $125,000 to $200,000, with single-unit development specifically requiring a minimum of $150,000 in accessible liquid assets, and a minimum net worth of $400,000 to $450,000 to qualify through the franchisor's financial vetting process. Ongoing fees for the broader specialty coffee franchise category provide useful benchmarks: industry QSR royalty structures in 2025 typically range from 4% to 8% of gross sales, with marketing and advertising fund contributions running between 1% and 5%, and Its A Grind's fee structure is expected to fall within those norms as a franchised specialty coffee concept under institutional ownership. The acquisition by Retail Food Group USA in 2014 brought parent company stability and potential access to group purchasing power across a network of over 2,500 global franchise units, which can meaningfully impact cost of goods for consumables including coffee beans, dairy, and packaging. For investors comparing total cost of ownership, the Its A Grind franchise investment entry point is lower than many full-service sit-down cafe concepts and competitive with other specialty coffee drive-thru and inline formats, making it an accessible rather than premium capital commitment within its segment.

Daily operations at an Its A Grind Coffee House are built around a community-focused coffeehouse model that combines specialty beverage service with a curated food menu of pastries, muffins, and bagels alongside whole bean retail, a format that generates multiple revenue streams from a single location. Each unit is estimated to require a staffing complement of 14 to 16 employees, which is consistent with independent specialty coffee operations of comparable square footage and operating hours, and the franchisor's operational model includes a psychological assessment survey for every employee and franchisee candidate designed to identify individuals with genuine hospitality instincts and an unconditional service orientation described internally as an "always say yes" attitude. One of the notable operational characteristics of the Its A Grind franchise model is that the business can be run by the owner on a part-time basis of fewer than 40 hours per week and can function as a side business rather than a full-time owner-operator commitment, a flexibility that broadens the potential franchisee pool to include investors with existing professional obligations. No prior retail coffee experience is required to enter the Its A Grind franchise system — the training program brings new franchisees and their management teams through a comprehensive curriculum that includes barista certification, and at least one franchisee account references traveling to Los Angeles to meet the CEO and fellow franchisees as part of the onboarding experience. Ongoing support infrastructure includes on-site opening assistance, continuous product and equipment support, site selection guidance, and store layout and design services, with the franchisor's proven business model providing a documented operational framework that reduces the learning curve for first-time food-and-beverage operators. The company's Southern California roasting facility and test kitchen serve as the product development engine for the system, ensuring that all locations receive consistently roasted small-batch coffee without franchisees needing to manage green coffee procurement independently. Territory structure, including exclusivity provisions, is addressed in Item 12 of the Franchise Disclosure Document, and prospective franchisees should review that section carefully during due diligence to understand geographic protections available in their target market.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Its A Grind Coffee House, which means the franchisor has elected not to make formal financial performance representations regarding average unit revenue, median gross sales, or profitability benchmarks within the official FDD filing. This is a significant due diligence consideration: franchisors are not legally required to disclose Item 19 financial performance data, but when that data is absent, investors must work harder to construct a realistic unit economics model from alternative data sources and industry benchmarks. What is known from public information is that the specialty coffee segment within the broader snack and nonalcoholic beverage bars market — a category projected to reach $352.46 billion globally in 2026 — has historically supported a wide range of unit-level revenue outcomes depending on location quality, operator execution, local competitive density, and real estate format. In 2018, Its A Grind took home eight awards at the Golden Bean Competition, the world's largest coffee roasters conference and competition, a product quality signal that supports premium pricing and customer loyalty at the unit level. The brand's ranking as number nine among coffee franchises on Entrepreneur Magazine's 2019 Annual Franchise 500 list reflects a period of recognized system performance, and the 25th anniversary celebration in 2019 that featured throwback pricing of 94 cents for small drip coffees demonstrated a marketing sophistication that drives customer engagement and media coverage without relying exclusively on paid advertising. Without Item 19 disclosure, investors evaluating the Its A Grind franchise revenue potential should engage directly with existing franchisees — a process legally facilitated through the FDD's Item 20 franchisee contact list — to develop ground-level insight into weekly sales volumes, labor cost ratios, cost of goods benchmarks, and occupancy costs as a percentage of revenue, since revenue figures alone without those deductions provide an incomplete picture of true owner earnings.

Its A Grind has navigated a remarkable and instructive growth trajectory since Marty Cox and Louise Montgomery opened their first Long Beach location in 1994. The brand grew from five company-operated units in 2000 to 105 franchised locations across 14 states by 2001, representing extraordinary early franchise growth in the specialty coffee category, before the broader franchise system experienced the contraction that many independent coffee concepts faced as competitive dynamics intensified through the 2000s and 2010s. By 2017, the system had contracted to 18 domestic locations across three states and eight international locations, a period during which the brand under Retail Food Group USA ownership announced an aggressive California expansion strategy targeting Los Angeles, Riverside, San Diego, and Sacramento metropolitan areas as well as select West Coast markets in Q2 2017. The most recent available data indicates 81 units currently in operation, a significant recovery and expansion from the 20 units reported in 2019, suggesting that the franchise system has achieved meaningful net new unit growth over the intervening period — a positive trajectory signal for prospective investors evaluating system health. The Golden Bean Competition's eight awards in 2018 and the Entrepreneur Magazine Franchise 500 ranking at number nine in the coffee category in 2019 represent competitive positioning milestones that provide marketing credibility when a franchisee enters a new market. Retail Food Group's global footprint of over 2,500 franchise units across its brand portfolio provides Its A Grind with access to international franchise development expertise, supplier relationships, and operational benchmarking data that independent or smaller-network coffee brands cannot replicate. The brand's integration of third-party delivery services including DoorDash, UberEats, and GrubHub, while creating some operational complexity noted in franchisee feedback, also represents a meaningful incremental revenue channel in the post-2020 consumer environment where off-premise consumption has permanently increased as a share of total foodservice sales.

The ideal Its A Grind franchise candidate is someone who combines genuine hospitality values with the operational discipline required to manage a 14-to-16-person team in a high-throughput beverage and food service environment, though the franchisor explicitly does not require prior coffee industry experience as a qualification threshold. The brand's psychological screening process for all franchisees and employees signals a cultural fit orientation that goes beyond financial qualification — investors who are drawn to building community gathering places and who derive satisfaction from creating a neighborhood third-place atmosphere tend to surface most frequently in positive franchisee testimonials, including one franchisee who described 11 years with the brand in 2017 as a rewarding community-building experience. Available territories span multiple U.S. states with particular emphasis on California markets including Los Angeles, Riverside, San Diego, and Sacramento, as well as broader West Coast expansion targets, and the company was also reporting eight international locations as of 2017, suggesting openness to cross-border development conversations for qualified multi-unit candidates. The franchise agreement term length and renewal structure are detailed in the FDD, and prospective investors should analyze transfer and resale provisions in conjunction with their legal counsel before signing, as those terms govern the long-term liquidity options for the franchise asset. The franchisor's acknowledgment that the business can be operated part-time or as a side investment expands the territory of qualified candidates beyond full-time owner-operators to include semi-absentee investors who intend to install a general manager, provided that operator meets the franchisor's training and certification requirements. Given the brand's California roots and West Coast expansion emphasis, investors with existing real estate relationships in high-traffic suburban and urban California corridors may find accelerated site approval timelines compared to candidates entering entirely new geographic markets.

For investors conducting rigorous due diligence on the Its A Grind franchise opportunity, the strategic picture warrants serious analysis against a carefully constructed set of financial and operational benchmarks. The brand operates within a global snack and nonalcoholic beverage bars category projected to reach $456.47 billion by 2030 at a 6.7% CAGR, with North America identified as the fastest-growing regional market — a structural tailwind that creates a favorable demand environment for well-positioned specialty coffee operators over the coming decade. The combination of institutional backing from Retail Food Group's 2,500-plus unit global platform, a private Southern California roasting operation producing award-winning small-batch coffee, a community-centric brand philosophy that deliberately differentiates from corporate coffee chains, and a current system count showing meaningful growth from 20 units in 2019 toward the 81 units currently reported, creates a franchise investment thesis that merits thorough investigation by prospective investors in the $250,000 to $475,000 initial investment range. The absence of Item 19 financial performance disclosure in the current FDD means that unit-level revenue and profitability analysis requires additional investigative steps, and the FPI Score of 44 assigned to Its A Grind on PeerSense reflects a Fair rating that investors should contextualize against the full data picture rather than evaluating in isolation. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark Its A Grind against competing specialty coffee and snack bar franchise concepts across every relevant financial and operational dimension. Explore the complete Its A Grind franchise profile on PeerSense to access the full suite of independent franchise intelligence data and make a fully informed investment decision.

FPI Score

44/100

SBA Default Rate

0.0%

Active Lenders

2

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for It's A Grind based on SBA lending data

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loan Volume

2 loans

Across 2 lenders

Lender Diversity

2 lenders

Avg 1.0 loans per lender

It's A Grind — 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

15 approvals — best year on record for It's A Grind.

Top SBA State

California

44 SBA-financed It's A Grind locations — the densest operator footprint.

Average Loan Size

$235K

Median $295K — use as a sizing anchor when modeling your own $It's A Grind unit.

Lender Concentration

43.1%

Concentrated

Share of It's A Grind approvals captured by the top 3 SBA lenders.

It's A Grind's SBA lending pipeline peaked in 2005 (15 approvals). Operator density is highest in California with 44 SBA-financed locations. Average funded ticket sits at $235K, with the median at $295K. Lender mix is concentrated: the top three SBA lenders account for 43.1% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

It's A Grindunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

Explore Funding for It's A Grind

Our business financing consultants help connect you with the right lending partners. No retainers — referral fee paid at closing.

One more step: check the consent box above and type your full legal name as signature to enable submission.

No retainers · Referral fee at closing

Or get an instant analysis

Scan Your Deal Instantly
It's A Grind