The Human Bean, 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 S1763)
32 deals since 2020 · typical deal $707K · 15.38% failure rate
32
Deals since 2020
$707K
Typical deal
2
Deals since FY2025
15.38%
Failure rate (FY20–23)
15.38% of The Human Bean's FY2020–23 deals failed — well above typical. Price that risk into your offer and your reserves.
What buyers pay for The Human Bean
Most The Human Bean deals financed between $304K and $965K. Above $965K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $9,245
- Down payment (10%)
- $79K
- Cash to close (all-in)
- $108K
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 ~$108K)
Experience
Recent financings
- CLEHB PARMA LLC in Parma, OH — $1.3M (2026) · Heritage Bank Inc
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)