3 Natives, by the numbers
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
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
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $222K (75%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Bayside Juice Ventures LLC in Sarasota, FL — $388K (2025) · Bank Five Nine
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 110 months
- SBA guaranteed
- $291K (75%)
- Approved
- 11/6/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
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- 3 Natives Flamingo Crossings in Winter Garden, FL — $250K (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 125 months
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 77 days
- Approved
- 9/8/2025
- First disbursed
- 11/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
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- Bayside Juice Ventures LLC in Sarasota, FL — $421K (2024) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 11% fixed
- Term
- 126 months
- SBA guaranteed
- $315K (75%)
- Approved
- 1/19/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
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- 3 Natives West Boca in Boca Raton, FL — $120K (2024) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $102K (85%)
- Approval → funding
- 106 days
- Approved
- 9/30/2024
- First disbursed
- 1/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
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- EQ Restaurants LLC in Royal Palm Beach, FL — $455K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 8 days
- Approved
- 9/27/2023
- First disbursed
- 10/5/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
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- CJM LLC in Mckinney, TX — $415K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 25 days
- Approved
- 7/13/2023
- First disbursed
- 8/7/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- Z T Morris Holdings LLC in Collinsville, OK — $270K (2023) · BancFirst
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 90 months
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 12 days
- Approved
- 2/22/2023
- First disbursed
- 3/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by BancFirst · Lender record →
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- 3:16 Investment Partners LLC in Sarasota, FL — $258K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 124 months
- SBA guaranteed
- $194K (75%)
- Approval → funding
- 17 days
- Approved
- 12/2/2022
- First disbursed
- 12/19/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- CJM LLC in Mckinney, TX — $25K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 7/13/2023
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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Who funds 3 Natives — and where
Every dot is a financed 3 Natives — 10 mapped.
Financed 3 Natives locations — list all 10 as text
- 3:16 Investment Partners LLC — Sarasota · $258K · FY2023 · Limited-Service Restaurants
- Z T Morris Holdings LLC — Collinsville · $270K · FY2023 · Limited-Service Restaurants
- 3 Natives Flamingo Crossings — Winter Garden · $250K · FY2025 · Limited-Service Restaurants
- Shivay One LLC — Saint Petersburg · $297K · FY2026 · Limited-Service Restaurants
- Bayside Juice Ventures LLC — Sarasota · $421K · FY2024 · Limited-Service Restaurants
- 3 Natives West Boca — Boca Raton · $120K · FY2024 · Limited-Service Restaurants
- Bayside Juice Ventures LLC — Sarasota · $388K · FY2025 · Limited-Service Restaurants
- EQ Restaurants LLC — Royal Palm Beach · $455K · FY2023 · Limited-Service Restaurants
- CJM LLC — Mckinney · $415K · FY2023 · Snack and Nonalcoholic Beverage Bars
- CJM LLC — Mckinney · $25K · FY2023 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Florida (7 loans)
- 2.Texas (2 loans)
- 3.Oklahoma (1 loans)
Represent 3 Natives?
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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
- 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 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.