How much does a COIT cost to buy or open?

The typical deal for COIT is $900K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $99K of buyer cash on a typical deal.

COIT has 4 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a COIT with an SBA loan?

Yes — COIT has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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COIT, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0318)

4 deals since 2020 · typical deal $900K

Deals since 2020

$900K

Typical deal

Deals since FY2025

—

Too few deals to score risk

COIT has 4 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for COIT

Most COIT deals financed between $150K and $2.77M. Above $2.77M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$900K

Monthly payment (10-yr): $11,769
Down payment (10%): $100K
Cash to close (all-in): $137K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$137K)

Experience

Recent financings

DMB Acquisitions, LLC in Englewood, CO — $900K (2024) · purchase · Glacier Bank
Program
Preferred Lenders Program
Rate at approval
7.95% fixed
Term

COIT, by the numbers

Recent financings

Who funds COIT — and where

Common questions

How much does a COIT cost to buy or open?

How risky is COIT?

Can I finance a COIT with an SBA loan?

AI summary