Sweetwaters Coffee & Tea
The total investment to open a Sweetwaters Coffee & Tea franchise ranges from $162,770 to $501,380.
What is the Sweetwaters Coffee & Tea franchise?
Sweetwaters Coffee & Tea is a café that sells coffee, tea, other drinks and a limited food menu to café customers. The estimated total initial investment to open is $162,770 to $501,380.
The company is headquartered in Troy, Michigan, and was founded in 1993.
Loan Activity Score
50/100
SBA Default Rate
0.0%
Active Lenders
10
According to its Franchise Disclosure Document or public business records, Sweetwaters Coffee & Tea has 16 locations, all owned by franchisees. Public SBA loan records show 10 lenders made 19 loans to franchisees of Sweetwaters Coffee & Tea. PeerSense calculates Sweetwaters Coffee & Tea's score as 50 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1993 · 16 locations
$162,770 to $501,380
16
16 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Sweetwaters Coffee & Tea
19
Total SBA loans
$320K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sweetwaters Coffee & Tea
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
0.0%
vs 10.3% peer avg
SBA Loans
19
Total Volume
$6.1M
Active Lenders
10
4 selective
States
10
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 Sweetwaters Coffee & Tea based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
19 loans
Across 10 lenders
Lender Diversity
10 lenders
Avg 1.9 loans per lender
Investment Tier
Significant investment
$162,770 to $501,380 total
Sweetwaters Coffee & Tea: 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
2019
8 approvals. The best year on record for Sweetwaters Coffee & Tea.
Top SBA State
Ohio
4 SBA financed Sweetwaters Coffee & Tea locations, the densest operator footprint.
Average Loan Size
$320K
Median $301K. Use as a sizing anchor when modeling your own Sweetwaters Coffee & Tea unit.
Lender Concentration
52.6%
Concentrated
Share of Sweetwaters Coffee & Tea approvals captured by the top 3 SBA lenders.
Sweetwaters Coffee & Tea's SBA lending pipeline peaked in 2019 (8 approvals). The last five fiscal years account for 5% of cumulative volume ($220K approved). Operator density is highest in Ohio with 4 SBA financed locations. Average funded ticket sits at $320K, with the median at $301K. Lender mix is concentrated: the top three SBA lenders account for 52.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,685
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
Sweetwaters Coffee & Tea, 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