Moxie Java
Franchising since 1988 · 10 locations
The total investment to open a Moxie Java franchise ranges from $53,500 - $422,750. The initial franchise fee is $49,450. Moxie Java currently operates 10 locations (10 franchised). The top SBA 7(a) lenders for Moxie Java are Wells Fargo Bank, Popular Bank and D. L. Evans Bank. PeerSense FPI health score: 21/100.
$53,500 - $422,750
$49,450
10
10 franchised
Proprietary PeerSense metric
LimitedActive capital sources verified for Moxie Java financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Growing (10-24 loans)
SBA Lending Performance
SBA Default Rate
18.8%
3 of 16 loans charged off
SBA Loans
16
Total Volume
$3.3M
Active Lenders
5
States
3
Top SBA Lenders for Moxie Java
What is the Moxie Java franchise?
Should you invest in a specialty coffee franchise in 2025, and does a regional brand with deep roots in the American West offer better long-term returns than a national chain requiring triple the capital? That is the precise question this analysis is designed to answer. Moxie Java franchise investors are evaluating a brand with a 37-year operating history, originating in Boise, Idaho, where the first coffeehouse opened on 6th and Main in Old Boise in 1988. The company was co-founded by Jerome Eberharter, John Roberts, and Chris Binion, with Eberharter having already established White Cloud Coffee Inc. in 1986, making Moxie Java an extension of a vertically integrated specialty coffee enterprise from its earliest days. White Cloud Coffee Inc. distributed coffee to grocery stores and retail outlets across the United States, giving Moxie Java an immediate supply chain advantage that most startup coffee concepts never develop. The brand changed ownership twice in its modern era — Rick and Stephanie Dean acquired it in 2001 with the stated ambition of building a brand recognized nationally like Starbucks, and then in 2018, Ryan and Julie Stewart purchased it for $599,000 after the company was listed for sale following Rick Dean's passing in July 2017. The Stewarts, who were regular customers before becoming owners, currently operate two company-owned locations, one attached to Moxie Java's headquarters at 4990 W Chinden Blvd in Garden City, Idaho, and a second also in Garden City, plus a coffee roaster and warehouse connected to the headquarters. The brand today counts 19 total units including 13 coffeehouses in Idaho and additional locations across Minnesota, North Dakota, and South Carolina, carving a defined regional niche rather than chasing indiscriminate national scale. Moxie Java began franchising in 2005, and the current owners are actively recruiting former franchise operators to rebrand under the Moxie Java flag, signaling an organic, relationship-driven expansion strategy rather than aggressive unit-count growth for its own sake. This is a brand with genuine provenance, a proprietary roasting method centered on air-roasted coffee, and a franchise model built around neighborhood authenticity — factors that carry measurable weight in a market where consumers are increasingly rejecting generic chain experiences.
The snack and nonalcoholic beverage bars market, the precise category in which the Moxie Java franchise competes, reached an estimated $333.12 billion globally in 2025 and is projected to grow to $352.46 billion in 2026 at a compound annual growth rate of 5.8%, accelerating to a projected $456.47 billion by 2030 at a CAGR of 6.7%. Within the United States specifically, the nonalcoholic beverages market was valued at $169.55 billion in 2024 and is forecast to expand from $178.10 billion in 2025 to $246.90 billion by 2032, representing a CAGR of 4.78% over that seven-year period. Coffee held the largest single product share in the U.S. nonalcoholic beverages market in 2023, driven by daily consumption habits and accelerating consumer interest in premium, artisanal, and specialty formats — precisely the positioning Moxie Java has occupied for nearly four decades. The macro forces favoring this franchise opportunity are structural rather than cyclical: urban lifestyle changes, the proliferation of beverage-focused quick-service outlets, a rising snacking culture, and an increasing youth population seeking experiential third-place environments are all contributing to sustained demand growth through 2030. The functional beverages segment is projected to grow at the fastest CAGR of 9.2% globally from 2026 to 2033 within the broader nonalcoholic beverages market, which reached $1,391.35 billion globally in 2025 and is expected to hit $2,551.17 billion by 2033 at an 8.0% CAGR. North America is expected to be the fastest-growing regional market during the forecast period within the snack and beverage bars category, a direct tailwind for any franchise expanding domestically. The competitive landscape in specialty coffee remains fragmented below the national mega-chains, meaning a well-positioned regional brand like Moxie Java can capture loyal local market share without competing on the same capital intensity as national operators, a structural advantage for franchise investors entering at the unit level.
The Moxie Java franchise fee is $49,450, a figure that positions it distinctly within the specialty coffee competitive set. For reference, comparable coffee franchise concepts carry fees of $35,000 to $40,000, meaning the Moxie Java franchise fee sits at a modest premium to category peers, though this must be evaluated in the context of a brand with a 37-year operating history, proprietary air-roasted coffee supply, and an established regional identity. The total Moxie Java franchise investment ranges from $53,500 on the low end to $422,750 on the high end, a spread that reflects the significant variability in format type, geography, build-out requirements, and whether the franchisee is converting an existing space versus constructing a purpose-built location. Some research sources cite the investment range as $42,000 to $484,000 depending on the data vintage and format assumptions, but the current franchise disclosure data points to a $53,500 to $422,750 range as the operative figure. The low end of this range is genuinely accessible by specialty coffee standards — comparable coffee franchise concepts with drive-thru-only models can require total investments starting well above $175,000, and sit-down cafe formats from national competitors frequently require $500,000 to $1.5 million in total capital commitment. Moxie Java's investment range makes it one of the more accessible franchise opportunities in the specialty coffee segment, particularly for first-time franchisees or operators coming from adjacent food-and-beverage backgrounds who want a meaningful brand heritage without the capital burden of a premium national flag. The company also owns its roaster and warehouse infrastructure, meaning franchisees benefit from a vertically integrated supply chain without bearing the cost of that infrastructure on their own balance sheets. Prospective franchisees should work with a qualified franchise attorney and financial advisor to model total cost of ownership including real estate, working capital, and pre-opening expenses, as the wide investment range signals that site-specific variables play a dominant role in total capital requirements.
Daily operations at a Moxie Java franchise center on a coffeehouse model serving drip coffee, mochas, espresso, lattes, crushed fruit Breezas, frappuccinos, and a range of snack items, with the brand's air-roasted coffee serving as the central product differentiator. The staffing model is consistent with specialty coffee cafe operations, requiring trained baristas, shift supervisors, and a hands-on owner-operator or general manager who maintains quality control and customer experience standards. The initial training program is 136 hours in duration, combining pre-training for managers and supervisors at Moxie Java's corporate location in Garden City, Idaho, with continued management training available either on-site or at an existing Moxie Java location. All employees receive Barista training manuals and comprehensive on-site training before the store opens, covering the full beverage menu, equipment maintenance, store layout, guest service protocols, and proper ordering procedures — a structured onboarding model that reduces the operational uncertainty typically associated with entering a new franchise category. Owners receive a detailed Operations Manual providing procedural guidance across all aspects of the business, and the franchisor provides an equipment list with proven specifications appropriate for a high-volume coffee shop environment, pre-worked-out opening orders for new stores, and detailed vendor lists to help franchisees establish accounts for essentials including milk supply and payment processing. Moxie Java conducts ongoing site visits to maintain brand quality standards, and the company assists with build-out when necessary, reducing the friction points that typically consume a new franchisee's time and capital during the pre-opening phase. One critical structural note for investors evaluating territory risk: Moxie Java explicitly does not offer territory protections to its franchisees, meaning the brand does not contractually prevent the opening of competing Moxie Java locations within a defined geographic radius — a factor that warrants careful due diligence in site selection and market analysis before signing a franchise agreement. The Moxie Java concept emphasizes individualized store environments that reflect the local neighborhood character, contrasting intentionally with cookie-cutter coffeehouse formats, which gives individual operators meaningful latitude in creating a distinctive customer experience within brand guidelines.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Moxie Java. This means prospective investors cannot access average unit revenue, median revenue, or profit margin data directly from the FDD, which is a material consideration in the due diligence process. It is worth noting that franchisors are not legally required to include Financial Performance Representations in Item 19, and a 2008 FDD data reference indicated that Moxie Java's franchise revenue and profits depend on unique individual variables, with the company directing inquiries to direct conversation rather than published benchmarks. What publicly available data does provide is useful context: the U.S. specialty coffee and coffeehouse segment generates substantial per-unit revenue potential, and Moxie Java's coffee is served at Bronco football games at Albertsons Stadium and on the Boise State University campus, indicating institutional demand that typically delivers high-volume, predictable revenue streams alongside retail coffeehouse operations. The brand's two company-owned locations, one at headquarters and one in Garden City, give the corporate team direct operational skin in the game — when franchisors operate their own units, they retain a practical understanding of unit economics that tends to translate into more operationally grounded franchise support. Industry benchmarks for independent and regional specialty coffee operations suggest that well-run coffeehouse units in established markets can generate annual revenues ranging from $300,000 to over $800,000 depending on location, format, traffic volume, and operational execution. The Moxie Java franchise investment range's low end of $53,500 implies that certain format configurations — likely smaller footprint or conversion-based builds — carry a capital requirement that would produce compelling returns even at modest revenue volumes, while the high end of $422,750 requires a correspondingly higher revenue trajectory to achieve acceptable payback periods. Prospective franchisees are strongly advised to directly contact current and former Moxie Java operators, request access to historical unit-level data through the FDD validation process, and engage a franchise-experienced CPA to model scenarios at multiple revenue assumptions before making a capital commitment.
Moxie Java's growth trajectory tells a story of contraction followed by intentional stabilization and rebuilding under new ownership. At its peak, more than 65 stores had opened across the nation since the brand's 1988 founding, reflecting a period of significant national ambition particularly during the Rick and Stephanie Dean era when the stated goal was national recognition comparable to the country's largest coffee chains. The current footprint of 19 total units — 13 in Idaho, with additional locations in Minnesota, North Dakota, and South Carolina — represents a materially smaller network, but one that the current owners are actively seeking to grow through quality partnerships rather than raw unit-count expansion. Ryan and Julie Stewart acquired the company in 2018 and have invested in operational infrastructure, maintaining the roaster and warehouse connected to headquarters, ensuring that White Cloud Coffee Inc. continues as the exclusive coffee supplier for Treasure Valley locations and providing supply chain continuity that supports consistent product quality across the franchise system. The brand's presence at Albertsons Stadium for Boise State University Bronco football games represents a non-traditional revenue channel and a high-visibility brand awareness platform, reaching tens of thousands of consumers per event in the brand's home market. The Moxie Java competitive moat is built on three pillars: a 37-year brand heritage with genuine local identity in the Boise and Treasure Valley market, a proprietary air-roasted coffee product that differentiates the taste profile from commodity coffeehouse competitors, and a vertically integrated supply chain through White Cloud Coffee Inc. that gives the franchisor cost and quality control advantages that newer coffee franchise concepts cannot replicate. The current ownership's stated strategy of targeting former franchise operators for rebranding opportunities is a capital-efficient growth model that can accelerate unit count without requiring the brand to build greenfield locations from scratch, leveraging existing infrastructure and operational experience in new markets.
The ideal Moxie Java franchise candidate is an owner-operator with a genuine passion for specialty coffee and community-driven hospitality, rather than a passive investor seeking an absentee revenue stream. The brand's emphasis on individualized coffeehouse environments that reflect neighborhood character means that franchisees who engage personally with their local customer base — curating the atmosphere, training their staff to deliver warm and consistent service, and embedding the location into the local community — will consistently outperform operators who treat the business as a managed investment. Prior food-and-beverage or retail management experience is advantageous given the staffing complexity of a full-service coffeehouse operation, though the 136-hour training program is designed to equip operators without deep specialty coffee backgrounds. The current geographic footprint — Idaho, Minnesota, North Dakota, and South Carolina — leaves a wide range of domestic markets with zero Moxie Java penetration, and the current ownership team has expressed active interest in expanding into new territories, particularly through conversations with former franchise operators who already understand the brand's operational requirements. The franchise agreement provides a framework within which operators must be aware that territory exclusivity is not guaranteed, making thorough market analysis and site selection diligence essential before committing to a location. Multi-unit development is a natural pathway for experienced operators given the relatively accessible investment range on the low end, and the company's relationship-focused expansion philosophy suggests that strong-performing single-unit operators may find the current ownership team receptive to multi-unit conversations.
The Moxie Java franchise opportunity presents a specific investment thesis worth serious evaluation: a 37-year-old specialty coffee brand with genuine regional equity, a vertically integrated coffee supply chain, an accessible total investment range of $53,500 to $422,750, a franchise fee of $49,450, and an ownership team actively investing in the brand's infrastructure and growth after a deliberate post-2018 stabilization period. The brand operates in a market growing at a 5.8% CAGR toward $352.46 billion in 2026, within a U.S. nonalcoholic beverages segment projected to reach $246.90 billion by 2032, with coffee holding the largest category share domestically. The PeerSense Franchise Performance Index score of 21 for Moxie Java reflects a Limited rating, which is an important signal for investors to weigh alongside the brand's heritage and market opportunity — the FPI score quantifies factors including unit count trends, financial disclosure practices, and system health indicators that collectively inform a balanced view of franchise investment risk. 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 Moxie Java against competing specialty coffee franchise opportunities across every measurable dimension. The absence of Item 19 financial performance disclosure and the lack of territory protections are material factors that deserve careful attention during the validation process, and the PeerSense platform is specifically designed to surface those variables alongside the brand's genuine strengths. Explore the complete Moxie Java franchise profile on PeerSense to access the full suite of independent franchise intelligence data before making one of the most significant financial decisions of your entrepreneurial career.
FPI Score
21/100
SBA Default Rate
18.8%
Active Lenders
5
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Moxie Java based on SBA lending data
SBA Default Rate
18.8%
3 of 16 loans charged off
SBA Loan Volume
16 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 3.2 loans per lender
Investment Tier
Mid-range investment
$53,500 – $422,750 total
Moxie Java — 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
1996
5 approvals — best year on record for Moxie Java.
Top SBA State
Idaho
12 SBA-financed Moxie Java locations — the densest operator footprint.
Average Loan Size
$220K
Median $327K — use as a sizing anchor when modeling your own $Moxie Java unit.
Lender Concentration
83.4%
Concentrated
Share of Moxie Java approvals captured by the top 3 SBA lenders.
Moxie Java's SBA lending pipeline peaked in 1996 (5 approvals). Operator density is highest in Idaho with 12 SBA-financed locations. Average funded ticket sits at $220K, with the median at $327K. Lender mix is concentrated: the top three SBA lenders account for 83.4% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$554
Principal & Interest only
Locations
Moxie Java — unit breakdown
Explore Funding for Moxie Java
Our business financing consultants help connect you with the right lending partners. No retainers — referral fee paid at closing.
Or get an instant analysis
Scan Your Deal Instantly