ScorecardWorth It?HistoryDatabaseCompareDistress Signals
QSRRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 100/100

The Coffee Bean & Tea Leaf Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for The Coffee Bean & Tea Leaf.

Based on 2023 FDD · 8 filings in corpus

FranchiseIQ Score
52
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
F
36/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Cost and profit at a glance

How much does a The Coffee Bean & Tea Leaf franchise cost and make?

Based on FDDIQ's FDD corpus, a The Coffee Bean & Tea Leaf franchise shows an estimated initial investment of $551K – $2.4M. Reported owner economics show $41K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$551K – $2.4M
Total initial investment
Profit / Revenue
$41K
FDD Item 19 signal
Payback Signal
36.0 years
Modeled return metric
SBA Default Rate
100.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse QSR franchises →Compare similar franchises →

Quick fee read: $13K franchise fee · 7.5% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to The Coffee Bean & Tea Leaf, check the numbers buyers usually miss.

The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
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Total Investment Range$551K – $2.4M
MinMid: $1.5MMax

Key Metrics

Franchise Fee
$13K
Royalty Rate
5.5%
Ad Fund Rate
2%
Total Burden
7.5%
Royalty + ad fund
Units (2023)
2
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
2.8%
Annual estimated return
Payback Period
36.0 yrs
Break-even timeline
SBA Default Rate
100.0%
vs ~7.2% industry avg
Median Revenue
$748K
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 100%
HIGH ×1
Premium Data

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CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

The Coffee Bean & Tea Leaf vs. QSR Average

MetricThe Coffee Bean & Tea LeafQSR Avg
SBA Default Rate100.0%▼9.4%
Cash-on-Cash Return2.8%▼14.2%
Total Investment$1.5M$380K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2018-2018). 1 loans across 1 states.

Default Rate
100.0%
High Risk
Total SBA Loans
1
1 states
Total Loan Volume
$120K
SBA 7(a) approved
Avg Loan Size
$120K
Per franchisee
Loan Status Breakdown
0
Paid in Full (0%)
0
Currently Active
1
Charged Off (77.9% by $)
$93K
Total Charged Off ($)
● Paid● Active● Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

The Coffee Bean & Tea Leaf vs Chick-fil-A, Inc.The Coffee Bean & Tea Leaf vs Loving CupThe Coffee Bean & Tea Leaf vs Donut King

Similar Franchises · QSR

Chick-fil-A, Inc.
Revenue Only
$427K–$2.3M
Loving Cup
No Item 19
$166K–$242K
Donut King
Limited Data
$211K–$332K
Chick-fil-A, Inc.
$427K – $2.3M
Loving Cup
$166K – $242K
Donut King
$211K – $332K
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Questions to Ask Before You Sign

5 data-driven questions every The Coffee Bean & Tea Leaf franchise buyer should ask.

  1. 1.What is The Coffee Bean & Tea Leaf's SBA default rate compared to its competitors?Learn more →
  2. 2.Does The Coffee Bean & Tea Leaf disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for The Coffee Bean & Tea Leaf →Validation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

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