Franchise brands › Scooter's Coffee
Franchise brand332 approvals since FY2016
SBA loans to Scooter's 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.
Since FY2016, 332 SBA loan approvals worth $323M carry the Scooter's Coffee franchise code, 287 of them in FY2021 to FY2025.
In FY2025 there were 61, up 45% on FY2024. The average approval in the five-year window was $999K, and 22 of the approvals were 504 loans.
40 lenders made the FY2021 to FY2025 loans across 32 states; the most active were The Huntington National Bank (56), Luminate Bank (20) and KeyBank National Association (18).
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* | 21 | $26.0M | $1.2M | 4 | 367 |
| FY2025 | 61 | $63.2M | $1.0M | 5 | 1,194 |
| FY2024 | 42 | $43.8M | $1.0M | 5 | 822 |
| FY2023 | 60 | $72.7M | $1.2M | 4 | 1,680 |
| FY2022 | 70 | $66.1M | $944K | 6 | 1,552 |
| FY2021 | 54 | $40.9M | $758K | 2 | 1,345 |
| FY2020 | 12 | $6.5M | $543K | 4 | 238 |
| FY2019 | 8 | $3.0M | $375K | 0 | 198 |
| FY2018 | 2 | — | — | 0 | 28 |
| FY2017 | 1 | — | — | 1 | 2 |
| FY2016 | 1 | — | — | 1 | 3 |
SBA's franchise field lists the brand as "Scooter's Coffee". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Scooter's Coffee | All SBA loans |
|---|---|---|
| Approvals in these years | 78 | 725,496 |
| Cancelled or never disbursed | 18 | 91,827 |
| Disbursed loans | 60 | 633,669 |
| Paid in full | 35 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 25 | 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 | 56 | $64.4M | 19.5% | |
| 2 | Luminate BankMinneapolis, MN | 20 | $22.6M | 7.0% | |
| 3 | KeyBank National AssociationCleveland, OH | 18 | $17.1M | 6.3% | |
| 4 | Wilmington Savings Fund Society FSBWilmington, DE | 12 | $12.8M | 4.2% | |
| 5 | Meridian BankMalvern, PA | 12 | $9.8M | 4.2% | |
| 6 | Union Bank and Trust CompanyLincoln, NE | 11 | $7.4M | 3.8% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 10 | $14.1M | 3.5% | |
| 8 | United Community BankGreenville, SC | 9 | $8.4M | 3.1% | |
| 9 | First Bank of the LakeOsage Beach, MO | 8 | $12.0M | 2.8% | |
| 10 | First Merchants BankIndianapolis, IN | 7 | $11.4M | 2.4% | |
| 11 | Dream First Bank National AssociationSyracuse, KS | 7 | $5.6M | 2.4% | |
| 12 | Byline BankChicago, IL | 6 | $5.6M | 2.1% | |
| 13 | Arbor BankNebraska City, NE | 6 | $5.4M | 2.1% | |
| 14 | Pinnacle BankNashville, TN | 5 | $5.7M | 1.7% | |
| 15 | OptimumBankFort Lauderdale, FL | 4 | $6.9M | 1.4% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 38 | 13.2% | |
| 2 | Illinois | 26 | 9.1% | |
| 3 | Tennessee | 19 | 6.6% | |
| 4 | Florida | 17 | 5.9% | |
| 5 | Missouri | 16 | 5.6% | |
| 6 | Minnesota | 16 | 5.6% | |
| 7 | Nebraska | 16 | 5.6% | |
| 8 | Kansas | 14 | 4.9% | |
| 9 | Oklahoma | 12 | 4.2% | |
| 10 | Indiana | 11 | 3.8% | |
| 11 | Iowa | 10 | 3.5% | |
| 12 | Wisconsin | 10 | 3.5% | |
| 13 | Arizona | 9 | 3.1% | |
| 14 | Ohio | 7 | 2.4% | |
| 15 | North Carolina | 7 | 2.4% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 276 | 96.2% | |
| 2 | Specialty Food StoresNAICS 4452 | 7 | 2.4% | |
| 3 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 0.7% | |
| 4 | Limited-Service Eating PlacesNAICS 7222 | 1 | 0.3% | |
| 5 | Offices of Real Estate Agents and BrokersNAICS 5312 | 1 | 0.3% |
Approval sizes
- $50,000 or less2.4%7
- $50,001 to $150,0003.1%9
- $150,001 to $350,0005.2%15
- $350,001 to $1 million43.2%124
- $1 million to $2 million43.6%125
- Over $2 million2.4%7
Age of the businesses
- Existing, more than 2 years old12.5%36
- New business, 2 years or less15.3%44
- Startup, loan funds will open the business70.0%201
- Change of ownership2.1%6
Questions and answers
How many SBA loans go to Scooter's Coffee franchises?
332 approvals since FY2016, worth $323M; 287 in FY2021 to FY2025.
Which lenders make SBA loans for Scooter's Coffee franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (56), Luminate Bank (20), KeyBank National Association (18), Wilmington Savings Fund Society FSB (12), Meridian Bank (12).
How large is a typical SBA loan for a Scooter's Coffee franchise?
The average approval in FY2021 to FY2025 was $999K.
What share of Scooter's Coffee SBA loans are charged off?
Of 60 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 Scooter's Coffee franchises rising?
Approvals in the three latest complete fiscal years total 163, against 136 in the three before: rising (+20%).
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