The Human Bean

Restaurants & FoodSBA loans FY2020–FY2026

SBA Loans

$22.9M

Total Financed

$693K

Avg Loan Size

—

YoY Loan Growth

How The Human Bean Compares

Ranks #73 of 1,075 Restaurants & Food brands by SBA loan count (#339 of 3,543 overall).
Its average loan of $693K is 65% above the Restaurants & Food median of $419K.
Its 15.2% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.

SBA Loan Activity by Fiscal Year

Fiscal Year	Loans	Total Financed
FY2020	5	$2.8M
FY2021	7	$4.6M
FY2022	4	$2.6M
FY2023	10	$5.8M
FY2024	4	$3.7M
FY2025	1	$1.2M
FY2026	2	$2.1M

FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where The Human Bean Is Getting SBA-Financed

Texas7 loans · $3.4M Ohio7 loans · $5.7M Washington5 loans · $1.1M Idaho3 loans · $2.2M Florida2 loans · $1.7M Georgia2 loans · $2.3M Wyoming1 loan · $707K Indiana1 loan · $406K Arizona1 loan · $782K New Mexico1 loan · $942K Colorado1 loan · $1.8M Utah1 loan · $965K South Dakota1 loan · $998K

Recent SBA-Financed The Human Bean Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

CLEHB PARMA LLCPARMA, OH

$1,255,0002026-01-27

Williams Coffee Company LLCCARROLLTON, TX

$882,0002025-11-17

Grounded Investments LLCWinter Springs, FL

$1,211,0002025-08-14

Ren Holdings LLCSioux Falls, SD

$998,0002024-08-02

JMJB, LLCSAN ANTONIO, TX

$303,5002024-06-11

MRJ Coffee Co.Columbus, GA

$1,500,0002023-11-05

THE HUMAN BEANMENTOR, OH

$920,0002023-11-02

Muggle Bean, Inc.RIVERTON, UT

$965,0002023-09-27

Thank You for Bean a Friend LLCGeorgetown, TX

$295,0002023-09-25

Thank You for Bean a Friend LLCGeorgetown, TX

$40,0002023-09-25

JBJ Coffee CoSPOKANE, WA

$181,1002023-09-21

Bee Knee Investments, LLCLUBBOCK, TX

$224,0002023-09-20

JMJB, LLCSAN ANTONIO, TX

$405,7002023-09-08

Fix N' Sips Coffee Corp.Cambridge, OH

$30,0002023-05-23

Fix N' Sips Coffee Corp.Cambridge, OH

$946,0002023-05-23

Pine Roots Properties, LLCWOODLAND PARK, CO

$1,760,9002023-04-04

Family N Family Finance LLCBedford Heights, OH

$980,0002023-02-23

Rikesh, LLCFort Oglethorpe, GA

$795,0002022-09-12

HBOH Perry LLCCanton, OH

$890,0002022-09-09

C & C Coffee LLCVANCOUVER, WA

$25,0002022-08-22

Little Creek Coffee LLCPOCATELLO, ID

$879,5002022-01-26

Little Creek Coffee LLCCHUBBUCK, ID

$661,2002021-09-27

Little Creek Coffee LLCCHUBBUCK, ID

$661,2002021-08-02

VerShel Enterprises, LLCLAKE CITY, FL

$510,7002021-03-26

Tres Lobos Real Estate LLCAlbuquerque, NM

$942,2002021-02-23

Frequently Asked Questions

Is The Human Bean growing or shrinking?

The Human Bean doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #73 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.

How much does it cost to open a The Human Bean franchise?

We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $693K (65% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.

What's the SBA loan default rate for The Human Bean?

5 of 33 SBA loans to The Human Bean franchisees (15.2%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.

Explore More

More Restaurants & Food brands Most financed franchises

Top SBA Lenders

The Huntington National Bank6
Columbia Bank4
KeyBank National Association3
Idaho Central CU3
Banner Bank2

Planning to finance a restaurants & food purchase?

Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.

Source: SBA 7(a) FOIA loan dataset. View dataset