Newk's Express Cafe Restaurant
The total investment to open a Newk's Express Cafe Restaurant franchise ranges from $490,600 to $1.1M.
What is the Newk's Express Cafe Restaurant franchise?
Newk's Express Cafe Restaurant is a cafe where customers can get a convenient meal. The estimated total initial investment to open one is $490,600 to $1,102,800.
The business is in the limited service restaurant category. Its headquarters are in Atlanta, GA, and it was founded in 1984.
Loan Activity Score
26/100
SBA Default Rate
14.3%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, Newk's Express Cafe Restaurant has 12 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 14 loans to franchisees of Newk's Express Cafe Restaurant. PeerSense calculates Newk's Express Cafe Restaurant's score as 26 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1984 · 12 locations
$490,600 to $1.1M
12
12 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Newk's Express Cafe Restaurant
14
Total SBA loans
$836K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Newk's Express Cafe Restaurant
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
14.3%
vs 10.3% peer avg
SBA Loans
14
Total Volume
$11.7M
Active Lenders
9
1 selective
States
6
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 Newk's Express Cafe Restaurant based on SBA lending data
SBA Default Rate
14.3%
4.0% above peer avg
SBA Loan Volume
14 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.6 loans per lender
Investment Tier
Premium investment
$490,600 to $1,102,800 total
Newk's Express Cafe Restaurant: 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
2016
4 approvals. The best year on record for Newk's Express Cafe Restaurant.
Top SBA State
Georgia
6 SBA financed Newk's Express Cafe Restaurant locations, the densest operator footprint.
Average Loan Size
$836K
Median $841K. Use as a sizing anchor when modeling your own Newk's Express Cafe Restaurant unit.
Lender Concentration
50%
Concentrated
Share of Newk's Express Cafe Restaurant approvals captured by the top 3 SBA lenders.
Newk's Express Cafe Restaurant's SBA lending pipeline peaked in 2016 (4 approvals). Operator density is highest in Georgia with 6 SBA financed locations. Average funded ticket sits at $836K, with the median at $841K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,079
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
Newk's Express Cafe Restaurant, 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