Port City Java
The total investment to open a Port City Java franchise ranges from $168,000 to $1.0M. The initial franchise fee is $35,000. Ongoing royalties are 5% plus a 2% advertising fee.
What is the Port City Java franchise?
Port City Java is a sit down restaurant business selling coffee and food to customers. The estimated total initial investment is $168,000 to $1,016,600, and the initial franchise fee is $35,000.
The ongoing royalty is 5 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
Port City Java was founded in 1995 and is headquartered in CAROLINA BEACH, NC.
Loan Activity Score
33/100
SBA Default Rate
10.0%
Active Lenders
8
According to its Franchise Disclosure Document or public business records, Port City Java has 10 locations, all owned by franchisees. Public SBA loan records show 8 lenders made 10 loans to franchisees of Port City Java. PeerSense calculates Port City Java's score as 33 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1995 · 10 locations
$168,000 to $1.0M
$35,000
10
10 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Port City Java
10
Total SBA loans
$371K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Port City 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
10.0%
vs 10.3% peer avg
SBA Loans
10
Total Volume
$3.7M
Active Lenders
8
1 selective
States
5
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 Port City Java based on SBA lending data
SBA Default Rate
10.0%
0.3% below peer avg
SBA Loan Volume
10 loans
Across 8 lenders
Lender Diversity
8 lenders
Avg 1.3 loans per lender
Investment Tier
Significant investment
$168,000 to $1,016,600 total
Port City 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
2005
6 approvals. The best year on record for Port City Java.
Top SBA State
North Carolina
4 SBA financed Port City Java locations, the densest operator footprint.
Average Loan Size
$364K
Median $250K. Use as a sizing anchor when modeling your own Port City Java unit.
Lender Concentration
54.5%
Concentrated
Share of Port City Java approvals captured by the top 3 SBA lenders.
Port City Java's SBA lending pipeline peaked in 2005 (6 approvals). Operator density is highest in North Carolina with 4 SBA financed locations. Average funded ticket sits at $364K, with the median at $250K. Lender mix is concentrated: the top three SBA lenders account for 54.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,739
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
Port City 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; 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