Moxie Java
The total investment to open a Moxie Java franchise ranges from $53,500 to $422,750. The initial franchise fee is $49,450.
What is the Moxie Java franchise?
Moxie Java is a coffee business selling drinks and snacks to customers. The estimated total initial investment is $53,500 to $422,750. The initial franchise fee is $49,450.
The franchise agreement term is 15 years. Moxie Java was founded in 1988 and is headquartered in Boise, Idaho.
Loan Activity Score
21/100
SBA Default Rate
18.8%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, Moxie Java has 10 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 16 loans to franchisees of Moxie Java. PeerSense calculates Moxie Java's score as 21 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1988 · 10 locations
$53,500 to $422,750
$49,450
10
10 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Moxie Java
16
Total SBA loans
$207K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Moxie Java
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
18.8%
vs 10.3% peer avg
SBA Loans
16
Total Volume
$3.3M
Active Lenders
5
1 selective
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 Moxie Java based on SBA lending data
SBA Default Rate
18.8%
8.5% above peer avg
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 to $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. The 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
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
Moxie Java, 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