SBA Loans for Gong Cha (only for NJ, NY, MA & TX) Franchises
Who actually funds Gong Cha (only for NJ, NY, MA & TX) SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2025.
Top lenders funding Gong Cha (only for NJ, NY, MA & TX) SBA loans
Ranked by number of Gong Cha (only for NJ, NY, MA & TX) 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 3 | $559K | $186K |
| 2 | The Bank of Princeton | 2 | $485K | $243K |
| 3 | FWBank | 1 | $564K | $564K |
| 3 | Jefferson Bank | 1 | $136K | $136K |
| 3 | Manufacturers and Traders Trust Company | 1 | $112K | $112K |
| 3 | City Bank | 1 | $150K | $150K |
| 3 | PNC Bank, National Association | 1 | $265K | $265K |
| 3 | Provident Bank | 1 | $350K | $350K |
| 3 | The Farmers National Bank of Canfield | 1 | $260K | $260K |
| 3 | Newtek Bank, National Association | 1 | $175K | $175K |
| 3 | Firstrust Savings Bank | 1 | $380K | $380K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2025. Shows lenders with at least one approved Gong Cha (only for NJ, NY, MA & TX) loan in this period, ranked by loan count.
Gong Cha (only for NJ, NY, MA & TX) SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 6 | $1.1M | $189K |
| NJ | 3 | $895K | $298K |
| TN | 1 | $564K | $564K |
| NY | 2 | $432K | $216K |
| OH | 1 | $260K | $260K |
| PA | 1 | $150K | $150K |
Gong Cha (only for NJ, NY, MA & TX) SBA loans by year
How Gong Cha (only for NJ, NY, MA & TX) SBA loans have performed
Outcomes for every funded Gong Cha (only for NJ, NY, MA & TX) 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.
How to use this
The lenders above have actually closed SBA 7(a) loans for Gong Cha (only for NJ, NY, MA & TX) 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 (only for NJ, NY, MA & TX) deal to a lender currently funding this brand.
Financing a Gong Cha (only for NJ, NY, MA & TX) franchise?
We know which lenders are actively funding Gong Cha (only for NJ, NY, MA & TX) deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).