Sertinos Cafe
The total investment to open a Sertinos Cafe franchise ranges from $25,000 to $374,750. The initial franchise fee is $35,000. Ongoing royalties are 6%.
What is the Sertinos Cafe franchise?
Sertinos Cafe is a cafe serving coffee and food to people dining in. The estimated total initial investment to open is $25,000 to $374,750, and the initial franchise fee is $35,000.
The royalty is 6 percent of sales. Sertinos Cafe is based in Frisco, Texas, and was founded in 2006.
Loan Activity Score
17/100
SBA Default Rate
70.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Sertinos Cafe has 2 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 10 loans to franchisees of Sertinos Cafe. PeerSense calculates Sertinos Cafe's score as 17 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2006 · 2 locations
$25,000 to $374,750
$35,000
2
2 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Sertinos Cafe
10
Total SBA loans
$243K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sertinos Cafe
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
70.0%
vs 10.3% peer avg
SBA Loans
10
Total Volume
$2.4M
Active Lenders
6
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 Sertinos Cafe based on SBA lending data
SBA Default Rate
70.0%
59.7% above peer avg
SBA Loan Volume
10 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.7 loans per lender
Investment Tier
Mid range investment
$25,000 to $374,750 total
Sertinos Cafe: 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
2007
4 approvals. The best year on record for Sertinos Cafe.
Top SBA State
Texas
3 SBA financed Sertinos Cafe locations, the densest operator footprint.
Average Loan Size
$243K
Median $272K. Use as a sizing anchor when modeling your own Sertinos Cafe unit.
Lender Concentration
70%
Concentrated
Share of Sertinos Cafe approvals captured by the top 3 SBA lenders.
Sertinos Cafe's SBA lending pipeline peaked in 2007 (4 approvals). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $243K, with the median at $272K. Lender mix is concentrated: the top three SBA lenders account for 70% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$259
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
Sertinos Cafe, unit breakdown
Explore Funding for Sertinos Cafe
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage Review
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