Nestle Toll House Cafe By Chip
The total investment to open a Nestle Toll House Cafe By Chip franchise ranges from $82,500 to $262,600.
What is the Nestle Toll House Cafe By Chip franchise?
Nestle Toll House Cafe By Chip is a cafe where customers can buy cookies and other baked treats, coffee, other drinks, and ice cream. The estimated total initial investment to open is $82,500 to $262,600.
The brand is headquartered in Cypress, TX.
Loan Activity Score
31/100
SBA Default Rate
11.8%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, Nestle Toll House Cafe By Chip has 21 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 17 loans to franchisees of Nestle Toll House Cafe By Chip. PeerSense calculates Nestle Toll House Cafe By Chip's score as 31 out of 100, using public SBA loan performance and recent lending activity.
21 locations
$82,500 to $262,600
21
21 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Nestle Toll House Cafe By Chip
17
Total SBA loans
$228K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Nestle Toll House Cafe By Chip
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
11.8%
vs 10.3% peer avg
SBA Loans
17
Total Volume
$3.9M
Active Lenders
9
1 selective
States
7
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 Nestle Toll House Cafe By Chip based on SBA lending data
SBA Default Rate
11.8%
1.5% above peer avg
SBA Loan Volume
17 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.9 loans per lender
Investment Tier
Mid range investment
$82,500 to $262,600 total
Nestle Toll House Cafe By Chip: 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
2015
8 approvals. The best year on record for Nestle Toll House Cafe By Chip.
Top SBA State
Texas
16 SBA financed Nestle Toll House Cafe By Chip locations, the densest operator footprint.
Average Loan Size
$245K
Median $171K. Use as a sizing anchor when modeling your own Nestle Toll House Cafe By Chip unit.
Lender Concentration
59.3%
Concentrated
Share of Nestle Toll House Cafe By Chip approvals captured by the top 3 SBA lenders.
Nestle Toll House Cafe By Chip's SBA lending pipeline peaked in 2015 (8 approvals). The last five fiscal years account for 12% of cumulative volume ($275K approved). Operator density is highest in Texas with 16 SBA financed locations. Average funded ticket sits at $245K, with the median at $171K. Lender mix is concentrated: the top three SBA lenders account for 59.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$854
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
Nestle Toll House Cafe By Chip, 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