SBA Loans for Gong cha Franchises
Who actually funds Gong cha SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2026 to 2026.
Top lenders funding Gong cha SBA loans
Ranked by number of Gong cha 7(a) loans approved since 2026.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 2 | $723K | $361K |
| 2 | First Bank of the Lake | 1 | $750K | $750K |
Source: SBA FOIA 7(a) loan-level data, 2026 to 2026. Shows lenders with at least one approved Gong cha loan in this period, ranked by loan count.
Gong cha SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 1 | $750K | $750K |
| MA | 1 | $698K | $698K |
| ME | 1 | $25K | $25K |
Gong cha SBA loans by year
How Gong cha SBA loans have performed
Outcomes for every funded Gong cha 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
SBA lender notes for Gong chafrom the SBA Franchise Directory
Lender CDC must ensure that they secure the correct lien position for all collateral as required pursuant to the SOP 50 10
How to use this
The lenders above have actually closed SBA 7(a) loans for Gong cha franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Gong cha deal to a lender currently funding this brand.
Financing a Gong cha franchise?
We know which lenders are actively funding Gong cha deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).