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3 Natives, by the numbers

3 Natives appears in 10 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

10 deals since 2020 · typical deal $297K

10

Deals since 2020

$297K

Typical deal

3

Deals since FY2025

—

Too few deals to score risk

3 Natives has 10 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 3 Natives

Most 3 Natives deals financed between $250K and $415K. Above $415K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,128
Down payment (10%)
$33K
Cash to close (all-in)
$44K

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 ~$44K)

Experience

Recent financings

  • Shivay One LLC in Saint Petersburg, FL — $297K (2026) · The Huntington National Bank
  • Bayside Juice Ventures LLC in Sarasota, FL — $388K (2025) · Bank Five Nine
  • 3 Natives Flamingo Crossings in Winter Garden, FL — $250K (2025) · Newtek Bank, National Association
  • Bayside Juice Ventures LLC in Sarasota, FL — $421K (2024) · First National Bank of Pennsylvania
  • 3 Natives West Boca in Boca Raton, FL — $120K (2024) · Bank Five Nine
  • EQ Restaurants LLC in Royal Palm Beach, FL — $455K (2023) · First National Bank of Pennsylvania
  • CJM LLC in Mckinney, TX — $415K (2023) · The Huntington National Bank
  • Z T Morris Holdings LLC in Collinsville, OK — $270K (2023) · BancFirst
  • 3:16 Investment Partners LLC in Sarasota, FL — $258K (2023) · First National Bank of Pennsylvania
  • CJM LLC in Mckinney, TX — $25K (2023) · The Huntington National Bank

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

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3 Natives brand mark

Who funds 3 Natives — and where

Every dot is a financed 3 Natives — 10 mapped.

Financed 3 Natives locations — list all 10 as text

Top lenders for this brand

  1. 1.First National Bank of Pennsylvania(3)
  2. 2.The Huntington National Bank(3)
  3. 3.Bank Five Nine(2)
  4. 4.BancFirst(1)
  5. 5.Newtek Bank, National Association(1)

Most active states

  1. 1.Florida (7 loans)3 Natives lenders in Florida->
  2. 2.Texas (2 loans)3 Natives lenders in Texas->
  3. 3.Oklahoma (1 loans)3 Natives lenders in Oklahoma->

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Common questions

How much does a 3 Natives cost to buy or open?

The typical deal for 3 Natives is $297K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $33K of buyer cash on a typical deal.

How risky is 3 Natives?

3 Natives has 10 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 3 Natives with an SBA loan?

Yes — 3 Natives has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a 3 Natives franchise

Most 3 Natives buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical 3 Natives deal financed for $297K, which points to about $33K of buyer cash on a typical purchase. Confirm 3 Natives's current SBA Franchise Directory listing with your lender before the LOI. See the lenders that already fund 3 Natives — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for 3 Natives — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for 3 Natives — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. 3 Natives is not currently confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 10 SBA 7(a) deals since 2020
  • $297K typical deal
  • 3 deals since FY2025
  • Too few deals to score a reliable failure rate
  • Top lenders: First National Bank of Pennsylvania, The Huntington National Bank, Bank Five Nine

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/3-natives
API:
https://www.capbench.com/api/public/franchises/3-natives
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with 3 Natives.

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