Franchise brands › Biggby Coffee
Franchise brand291 approvals since FY2010
SBA loans to Biggby Coffee franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 291 loan approvals since FY2010 under the Biggby Coffee franchise brand, worth $81.7M; 180 of them came in FY2021 to FY2025.
In FY2025 there were 25, down 24% on FY2024. The average approval in the five-year window was $342K, and 5 of the approvals were 504 loans.
27 lenders made the FY2021 to FY2025 loans across 10 states; the most active were The Huntington National Bank (57), Capitol National Bank (20) and First Commonwealth Bank (20).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.0% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 9 | $2.7M | $299K | 0 | 153 |
| FY2025 | 25 | $10.9M | $435K | 0 | 364 |
| FY2024 | 33 | $12.4M | $375K | 0 | 717 |
| FY2023 | 45 | $16.9M | $375K | 0 | 1,050 |
| FY2022 | 42 | $12.0M | $286K | 3 | 901 |
| FY2021 | 35 | $9.4M | $269K | 2 | 789 |
| FY2020 | 10 | $1.7M | $169K | 0 | 179 |
| FY2019 | 16 | $2.9M | $181K | 0 | 215 |
| FY2018 | 8 | $1.9M | $239K | 0 | 133 |
| FY2017 | 12 | $2.3M | $189K | 0 | 239 |
| FY2016 | 10 | $2.0M | $199K | 0 | 210 |
SBA's franchise field lists the brand as "BIGGBY COFFEE"; "Biggby Coffee". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Biggby Coffee | All SBA loans |
|---|---|---|
| Approvals in these years | 137 | 725,496 |
| Cancelled or never disbursed | 15 | 91,827 |
| Disbursed loans | 122 | 633,669 |
| Paid in full | 90 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 32 | 124,569 |
| Charged off, share of disbursed loans | 0.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.2% |
| Dollars charged off | $0 | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 57 | $14.1M | 31.7% | |
| 2 | Capitol National BankLansing, MI | 20 | $7.1M | 11.1% | |
| 3 | First Commonwealth BankIndiana, PA | 20 | $6.5M | 11.1% | |
| 4 | First Bank of the LakeOsage Beach, MO | 6 | $3.3M | 3.3% | |
| 5 | Peoples BankMarietta, OH | 6 | $1.2M | 3.3% | |
| 6 | KeyBank National AssociationCleveland, OH | 5 | $1.7M | 2.8% | |
| 7 | Michigan Certified Development CorporationEast Lansing, MI · CDC | 4 | $1.3M | 2.2% | |
| 8 | Summit CUCottage Grove, WI | 3 | $1.3M | 1.7% | |
| 9 | 1st Source BankSouth Bend, IN | 3 | $715K | 1.7% | |
| 10 | Northwest BankWarren, PA | 3 | $450K | 1.7% | |
| 11 | TowneBankPortsmouth, VA | 2 | — | 1.1% | |
| 12 | Horizon BankMichigan City, IN | 2 | — | 1.1% | |
| 13 | FWBankChicago, IL | 2 | — | 1.1% | |
| 14 | Kellogg Community CUBattle Creek, MI | 2 | — | 1.1% | |
| 15 | Citizens BankElizabethton, TN | 2 | — | 1.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Michigan | 66 | 36.7% | |
| 2 | Ohio | 41 | 22.8% | |
| 3 | Indiana | 26 | 14.4% | |
| 4 | Illinois | 12 | 6.7% | |
| 5 | Florida | 12 | 6.7% | |
| 6 | Wisconsin | 8 | 4.4% | |
| 7 | Kentucky | 8 | 4.4% | |
| 8 | North Carolina | 4 | 2.2% | |
| 9 | Georgia | 2 | 1.1% | |
| 10 | Tennessee | 1 | 0.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 176 | 97.8% | |
| 2 | Lessors of Real EstateNAICS 5311 | 2 | 1.1% | |
| 3 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 0.6% | |
| 4 | Private HouseholdsNAICS 8141 | 1 | 0.6% |
Approval sizes
- $50,000 or less19.4%35
- $50,001 to $150,0003.9%7
- $150,001 to $350,00036.1%65
- $350,001 to $1 million40.0%72
- $1 million to $2 million0.6%1
Age of the businesses
- Existing, more than 2 years old11.7%21
- New business, 2 years or less8.3%15
- Startup, loan funds will open the business77.2%139
- Change of ownership2.8%5
Questions and answers
How many SBA loans go to Biggby Coffee franchises?
291 approvals since FY2010, worth $81.7M; 180 in FY2021 to FY2025.
Which lenders make SBA loans for Biggby Coffee franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (57), Capitol National Bank (20), First Commonwealth Bank (20), First Bank of the Lake (6), Peoples Bank (6).
How large is a typical SBA loan for a Biggby Coffee franchise?
The average approval in FY2021 to FY2025 was $342K.
What share of Biggby Coffee SBA loans are charged off?
Of 122 disbursed loans approved in FY2010 to FY2021, 0 (0.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Biggby Coffee franchises rising?
Approvals in the three latest complete fiscal years total 103, against 87 in the three before: rising (+18%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error