How much does a Gong Cha (only for NJ, NY, MA & TX) cost to buy or open?

The typical deal for Gong Cha (only for NJ, NY, MA & TX) is $260K across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $29K of buyer cash on a typical deal.

How risky is Gong Cha (only for NJ, NY, MA & TX)?

Gong Cha (only for NJ, NY, MA & TX) has 14 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 Gong Cha (only for NJ, NY, MA & TX) with an SBA loan?

Yes — Gong Cha (only for NJ, NY, MA & TX) has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Gong Cha (only for NJ, NY, MA & TX) SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

Siphony LLC in Nashville, TN — $564K (2025) · FWBank

Program: Preferred Lenders Program
Rate at approval: 10% variable
Term: 127 months
SBA guaranteed: $423K (75%)
Approval → funding: 103 days
Approved: 12/18/2024
First disbursed: 3/31/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 12
Business age: Startup, Loan Funds will Open Business
Industry: Snack and Nonalcoholic Beverage Bars

Funded by FWBank · Lender record →

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KNTN LLC in College Station, TX — $384K (2025) · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 10.25% variable
Term: 129 months
SBA guaranteed: $288K (75%)
Approval → funding: 6 days
Approved: 12/12/2024
First disbursed: 12/18/2024
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 16

Gong Cha Bandera in San Antonio, TX — $175K (2025) · Newtek Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 10.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $149K (85%)
Approval → funding: 31 days
Approved: 6/13/2025
First disbursed: 7/14/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

KNTN LLC in College Station, TX — $25K (2025) · The Huntington National Bank

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 10.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $13K (50%)
Approved: 12/12/2024
Loan status: Committed
Loan type: Revolving line
Collateral: Required
Business type: Corporation
Jobs supported: 16
Business age: Startup, Loan Funds will Open Business

Lili and Lumiere 1520 LLC in Westerville, OH — $260K (2024) · The Farmers National Bank of Canfield

Program: Preferred Lenders Program
Rate at approval: 9.5% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $195K (75%)
Approval → funding: 27 days
Approved: 7/9/2024
First disbursed: 8/5/2024
Loan status: Payments deferred
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Alaga Tea LLC in New York, NY — $320K (2023) · The Bank of Princeton

Program: 7a General
Rate at approval: 10.5% variable
Term: 118 months
SBA guaranteed: $240K (75%)
Approval → funding: 0 days
Approved: 3/30/2023
First disbursed: 3/30/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 12

TAZ TEA, LLC in Tomball, TX — $265K (2023) · PNC Bank, National Association

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 8.75% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $133K (50%)
Approval → funding: 8 days
Approved: 2/8/2023
First disbursed: 2/16/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation

AFZI, LLC in Pittsburgh, PA — $150K (2023) · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 10.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $128K (85%)
Approval → funding: 15 days
Approved: 9/20/2023
First disbursed: 10/5/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 6

Gong Cha Syracuse, LLC in Syracuse, NY — $112K (2023) · Manufacturers and Traders Trust Company

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 9% variable
Term: 90 months
SBA guaranteed: $56K (50%)
Approval → funding: 17 days
Approved: 10/7/2022
First disbursed: 10/24/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type

AVP FRANCHISING LLC in Westfield, NJ — $380K (2022) · Firstrust Savings Bank

Program: Preferred Lenders Program
Rate at approval: 5.5% variable
Term: 123 months
SBA guaranteed: $285K (75%)
Approval → funding: 45 days
Approved: 1/21/2022
First disbursed: 3/7/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

Gong Cha (only for NJ, NY, MA & TX), by the numbers

Recent financings

Who funds Gong Cha (only for NJ, NY, MA & TX) — and where

Common questions

How much does a Gong Cha (only for NJ, NY, MA & TX) cost to buy or open?

How risky is Gong Cha (only for NJ, NY, MA & TX)?

Can I finance a Gong Cha (only for NJ, NY, MA & TX) with an SBA loan?

AI summary

Agent summary