Mister Softee, 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 S5555)
3 deals since 2020 · typical deal $498K
3
Deals since 2020
$498K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Mister Softee
Most Mister Softee deals financed between $150K and $2.33M. Above $2.33M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,512
- Down payment (10%)
- $55K
- Cash to close (all-in)
- $74K
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 ~$74K)
Experience
Recent financings
- SURFSIDE SOFTEE INC DBA MISTER SOFTEE OF SOUTHERN CALIFORNIA in Oxnard, CA — $498K (2024) · American Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 26 days
- Approved
- 9/20/2024
- First disbursed
- 10/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by American Business Bank · Lender record →
Your business? Claim this record · Request removal
- SouthSwell Softee LLC in Santa Barbara, CA — $150K (2023) · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 12.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 19 days
- Approved
- 4/21/2023
- First disbursed
- 5/10/2023
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- MisterSofteeNorCal Inc. in Fremont, CA — $2.3M (2020) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 19 days
- Approved
- 9/11/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (1/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 36
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Stores
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
Free · No documents · Usually same-day
Serious about buying a Mister Softee?
Get qualified with a franchise lending specialist before discovery day — know your number first.
Who funds Mister Softee — and where
Every dot is a financed Mister Softee — 3 mapped.
Financed Mister Softee locations — list all 3 as text
- MisterSofteeNorCal Inc. — Fremont · $2.3M · FY2020 · All Other Specialty Food Stores
- SURFSIDE SOFTEE INC DBA MISTER SOFTEE OF SOUTHERN CALIFORNIA — Oxnard · $498K · FY2024 · Ice Cream and Frozen Dessert Manufacturing
- SouthSwell Softee LLC — Santa Barbara · $150K · FY2023 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.California (3 loans)
Represent Mister Softee?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Mister Softee cost to buy or open?
The typical deal for Mister Softee is $498K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $55K of buyer cash on a typical deal.
How risky is Mister Softee?
Mister Softee has 3 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 Mister Softee with an SBA loan?
Yes — Mister Softee 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 Mister Softee franchise
Most Mister Softee 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 Mister Softee deal financed for $498K, which points to about $55K of buyer cash on a typical purchase. Mister Softee is listed in the SBA Franchise Directory (identifier S5555), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Mister Softee — 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 Mister Softee — 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 Mister Softee — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Mister Softee is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $498K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5555)
- Top lenders: Harvest Small Business Finance, LLC, American Business Bank, CDC Small Business Finance Corp.
- 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.
Still have questions about buying a Mister Softee?
Five minutes with a specialist who's seen Mister Softee deals close answers more than an hour of searching. Free, usually same-day.
Represent Mister Softee?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Mister Softee.