How much does a Nestle Toll House Cafe by Chip cost to buy or open?

The typical deal for Nestle Toll House Cafe by Chip is $170K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $19K of buyer cash on a typical deal.

How risky is Nestle Toll House Cafe by Chip?

Nestle Toll House Cafe by Chip has 5 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 Nestle Toll House Cafe by Chip with an SBA loan?

Yes — Nestle Toll House Cafe by Chip 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.

Nestle Toll House Cafe by Chip SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

KNB Legacy, LLC in Prosper, TX — $150K (2023) · Lendistry SBLC, LLC

Program: 7a General
Rate at approval: 10.75% variable
Term: 98 months
SBA guaranteed: $128K (85%)
Approval → funding: 21 days
Approved: 3/3/2023
First disbursed: 3/24/2023
Loan status: In workout — SBA bought the guarantee
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 3
Business age: New Business or 2 years or less
Industry: Snack and Nonalcoholic Beverage Bars

Funded by Lendistry SBLC, LLC · Lender record →

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3Jays Enterprise LLC in Boerne, TX — $125K (2022) · JPMorgan Chase Bank, National Association

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 7.7% fixed
Term: 84 mo (7 yrs)
SBA guaranteed: $63K (50%)
Approval → funding: 36 days
Approved: 11/22/2021
First disbursed: 12/28/2021
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type

Nestle Toll House Cafe in Universal City, TX — $653K (2020) · Midwest Regional Bank

Program: 7a General
Rate at approval: 6% variable
Term: 84 mo (7 yrs)
SBA guaranteed: $490K (75%)
Approval → funding: 403 days
Approved: 5/21/2020
First disbursed: 6/28/2021
Loan status: Failed — $487K charged off (4/23/2025)
Loan type: Term loan
Collateral: Required
Business type: Partnership
Jobs supported

PRSP Business Ventures LLC in Avon, CT — $425K (2020) · Webster Bank National Association

Program: Preferred Lenders Program
Rate at approval: 4.75% variable
Term: 90 months
SBA guaranteed: $319K (75%)
Approval → funding: 321 days
Approved: 11/14/2019
First disbursed: 9/30/2020
Loan status: Paid in full (4/30/2022)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Ohanyan LLC in Sherman Oaks, CA — $170K (2020) · Newtek Small Business Finance, Inc.

Program: Preferred Lenders Program
Rate at approval: 7.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $128K (75%)
Approval → funding: 29 days
Approved: 12/2/2019
First disbursed: 12/31/2019
Loan status: Paid in full (9/30/2021)
Loan type: Term loan
Collateral: Required
Business type: Partnership
Secondary market

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

Nestle Toll House Cafe by Chip, by the numbers

Recent financings

Who funds Nestle Toll House Cafe by Chip — and where

Common questions

How much does a Nestle Toll House Cafe by Chip cost to buy or open?

How risky is Nestle Toll House Cafe by Chip?

Can I finance a Nestle Toll House Cafe by Chip with an SBA loan?

AI summary