Key West, 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 S0939)
2 deals since 2020 · typical deal $1.1M
2
Deals since 2020
$1.1M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Key West
Most Key West deals financed between $900K and $1.09M. Above $1.09M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $14,228
- Down payment (10%)
- $121K
- Cash to close (all-in)
- $166K
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 ~$166K)
Experience
Recent financings
- Sun Moon Enterprises, Inc. in Baxley, GA — $900K (2021) · GBank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $810K (90%)
- Approval → funding
- 9 days
- Approved
- 3/9/2021
- First disbursed
- 3/18/2021
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Hotels (except Casino Hotels) and Motels
Funded by GBank · Lender record →
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- OUHM HOTEL LLC in Robinsonville, MS — $1.1M (2020) · First Port City Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $816K (75%)
- Approval → funding
- 15 days
- Approved
- 9/8/2020
- First disbursed
- 9/23/2020
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Hotels (except Casino Hotels) and Motels
Funded by First Port City Bank · Lender record →
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Who funds Key West — and where
Every dot is a financed Key West — 2 mapped.
Financed Key West locations — list all 2 as text
- Sun Moon Enterprises, Inc. — Baxley · $900K · FY2021 · Hotels (except Casino Hotels) and Motels
- OUHM HOTEL LLC — Robinsonville · $1.1M · FY2020 · Hotels (except Casino Hotels) and Motels
Top lenders for this brand
Most active states
- 1.Georgia (1 loans)
- 2.Mississippi (1 loans)
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Common questions
How much does a Key West cost to buy or open?
The typical deal for Key West is $1.1M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $120K of buyer cash on a typical deal.
How risky is Key West?
Key West has 2 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 Key West with an SBA loan?
Yes — Key West 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.
Buying a Key West franchise
Most Key West 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 Key West deal financed for $1.1M, which points to about $120K of buyer cash on a typical purchase. Key West is listed in the SBA Franchise Directory (identifier S0939), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Key West — 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 Key West — 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 Key West — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Key West is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 2 SBA 7(a) deals since 2020
- $1.1M typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0939)
- Top lenders: GBank, First Port City Bank
- 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 Key West.