Red Owl Coffee
The total investment to open a Red Owl Coffee franchise ranges from $266,600 to $1.2M. The initial franchise fee is $29,100. Ongoing royalties are 8%.
What is the Red Owl Coffee franchise?
Red Owl Coffee is a coffee shop that sells coffee, other nonalcoholic drinks and snacks. The estimated total initial investment is $266,600 to $1,243,100, and the initial franchise fee is $29,100.
The royalty is 8 percent of sales. Red Owl Coffee was founded in 2016 and is headquartered in Hahira, GA.
Loan Activity Score
59/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Red Owl Coffee has 8 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 8 loans to franchisees of Red Owl Coffee. PeerSense calculates Red Owl Coffee's score as 59 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2016 · 8 locations
$266,600 to $1.2M
$29,100
8
8 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Red Owl Coffee
8
Total SBA loans
$635K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Red Owl Coffee
Loan Activity Score Breakdown
Emerging (3 to 9 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
0.0%
vs 10.3% peer avg
SBA Loans
8
Total Volume
$5.1M
Active Lenders
6
1 selective
States
2
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 Red Owl Coffee based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
8 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.3 loans per lender
Investment Tier
Premium investment
$266,600 to $1,243,100 total
Red Owl Coffee: 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
2023
5 approvals. The best year on record for Red Owl Coffee.
Top SBA State
Georgia
5 SBA financed Red Owl Coffee locations, the densest operator footprint.
Average Loan Size
$635K
Median $438K. Use as a sizing anchor when modeling your own Red Owl Coffee unit.
Lender Concentration
62.5%
Concentrated
Share of Red Owl Coffee approvals captured by the top 3 SBA lenders.
Red Owl Coffee's SBA lending pipeline peaked in 2023 (5 approvals). The last five fiscal years account for 100% of cumulative volume ($5.1M approved). Operator density is highest in Georgia with 5 SBA financed locations. Average funded ticket sits at $635K, with the median at $438K. Lender mix is concentrated: the top three SBA lenders account for 62.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,760
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
Red Owl Coffee, 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