SBA lending record
Phynix Enterprise LLC
701 PIER PARK DR, Panama City Beach, FL 32413 · Gift, Novelty, and Souvenir Stores. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$365K
Total SBA financing
1
Loan on record
FY2021
On record
7
Jobs supported
Franchise brand
The Spice & Tea Exchange
See The Spice & Tea Exchange's SBA financing data — typical deal, failure rate, and how its loans perform →
● business — business location is the ZIP-area centroid from the public record
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The loan
$365,000 — FY2021
- Gross approval
- $365,000
- SBA guaranteed
- $328,500 (90%)
- Status
- Current
- Rate at approval
- 6% v
- Term
- 126 mo (11 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 3/9/2021
- First disbursement
- 3/18/2021
- Days to fund
- 9 days
- Collateral
- Required
- Jobs supported
- 7
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Gift, Novelty, and Souvenir Stores
- NAICS code
- 453220
- Franchise
- The Spice & Tea Exchange
- Franchise code
- S1784
- Lender
- First Bank of the Lake
- Address
- 701 PIER PARK DR
- City
- Panama City Beach, 32413
- County
- Bay
- SBA district office
- NORTH FLORIDA DISTRICT OFFICE
- Congressional district
- 2
The lender
First Bank of the Lake
1 loan to this businessFull SBA lending record + branches on the lender page →Find SBA lenders for businesses like this
The banks most active funding gift, novelty, and souvenir stores — by location, industry, and brand.
Other The Spice & Tea Exchange locations
Other The Spice & Tea Exchange businesses in the public SBA record — closest first, by location and deal size.
JKLM COLLECTIVE INC
Noblesville, IN· ~679 mi
The Spice & Tea Exchange
- $400K
- SBA financing
- ≈ $784K–$1.3M
- Est. revenue (rough)
THE SEASONING SHOPPE, LLC
New Albany, IN· ~557 mi
The Spice & Tea Exchange
- $350K
- SBA financing
- ≈ $686K–$1.1M
- Est. revenue (rough)
SKRW New Leaf Ventures, LLC
Chagrin Falls, OH· ~814 mi
The Spice & Tea Exchange
- $350K
- SBA financing
- ≈ $686K–$1.1M
- Est. revenue (rough)
Team MPMunroe, Inc.
Rochester, MI· ~874 mi
The Spice & Tea Exchange
- $380K
- SBA financing
- ≈ $745K–$1.2M
- Est. revenue (rough)
Music City Spice LLC
Nashville, TN· ~412 mi
The Spice & Tea Exchange
- $300K
- SBA financing
- ≈ $588K–$980K
- Est. revenue (rough)
Bentonville S&TE, LLC
Bentonville, AR· ~642 mi
The Spice & Tea Exchange
- $260K
- SBA financing
- ≈ $510K–$850K
- Est. revenue (rough)
Similar businesses
Comparable gift, novelty, and souvenir stores in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.
The Rose Vine, Inc
Brunswick, GA· ~268 mi
Gift, Novelty, and Souvenir Stores
- $346K
- SBA financing
- ≈ $678K–$1.1M
- Est. revenue (rough)
PALMA HOLDINGS INC
North Fort Myers, FL· ~343 mi
Edible Arrangements
- $200K
- SBA financing
- ≈ $392K–$654K
- Est. revenue (rough)
TMP Studios LLC
Winter Park, FL· ~294 mi
Gift, Novelty, and Souvenir Stores
- $616K
- SBA financing
- ≈ $1.2M–$2.0M
- Est. revenue (rough)
THE MERCHANT - PURVEYOR OF LOCAL GOODS, LLC
Saint Petersburg, FL· ~258 mi
Gift, Novelty, and Souvenir Stores
- $150K
- SBA financing
- ≈ $294K–$490K
- Est. revenue (rough)
The Cinnamon Bear Group Inc.
Fernandina Beach, FL· ~265 mi
Gift, Novelty, and Souvenir Stores
- $835K
- SBA financing
- ≈ $1.6M–$2.7M
- Est. revenue (rough)
Mar Distributors
Houston, TX· ~582 mi
Gift, Novelty, and Souvenir Stores
- $150K
- SBA financing
- ≈ $294K–$490K
- Est. revenue (rough)
Agent summary
This page summarizes the public SBA 7(a) lending record for Phynix Enterprise LLC in Panama City Beach, FL (Gift, Novelty, and Souvenir Stores). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 1 SBA 7(a) loan totaling $365K
- On record FY2021
- 7 jobs supported
- Industry: Gift, Novelty, and Souvenir Stores
- Location: Panama City Beach, FL
- Lender: First Bank of the Lake
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Gift, Novelty, and Souvenir Stores businesses in FL for ~$365k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Phynix Enterprise LLC.