SailTime, 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 S5354)
2 deals since 2020 · typical deal $613K
2
Deals since 2020
$613K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for SailTime
Most SailTime deals financed between $519K and $613K. Above $613K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,010
- Down payment (10%)
- $68K
- Cash to close (all-in)
- $91K
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 ~$91K)
Experience
Recent financings
- FOR THE LOVE OF SAILING, LLC in Emeryville, CA — $519K (2025) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $389K (75%)
- Approval → funding
- 13 days
- Approved
- 1/10/2025
- First disbursed
- 1/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Scenic and Sightseeing Transportation, Water
If you were the buyer here
- Est. deal size
- $577K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $77K
- Monthly payment
- $7,003
- Annual debt service
- $84K
- Cash flow needed (1.25×)
- $105K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Gulf Coast Bank and Trust Company · Lender record →
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- For the Love of Sailing LLC in Emeryville, CA — $613K (2024) · purchase · Blue Ridge Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $459K (75%)
- Approved
- 12/31/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Scenic and Sightseeing Transportation, Water
If you were the buyer here
- Est. deal size
- $681K
- Est. down payment (10%)
- $68K
- Est. cash at closing
- $91K
- Monthly payment
- $8,524
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $128K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Blue Ridge Bank National Association
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Who funds SailTime — and where
Every dot is a financed SailTime — 2 mapped.
Financed SailTime locations — list all 2 as text
- For the Love of Sailing LLC — Emeryville · $613K · FY2024 · Scenic and Sightseeing Transportation, Water
- FOR THE LOVE OF SAILING, LLC — Emeryville · $519K · FY2025 · Scenic and Sightseeing Transportation, Water
Top lenders for this brand
- 1.Blue Ridge Bank National Association (1)
2.Gulf Coast Bank and Trust Company(1)
Most active states
- 1.California (2 loans)
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Common questions
How much does a SailTime cost to buy or open?
The typical deal for SailTime is $613K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $67K of buyer cash on a typical deal.
How risky is SailTime?
SailTime 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 SailTime with an SBA loan?
Yes — SailTime has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a SailTime franchise
Most SailTime 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 SailTime deal financed for $613K, which points to about $67K of buyer cash on a typical purchase. SailTime is listed in the SBA Franchise Directory (identifier S5354), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund SailTime — 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 SailTime — 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 SailTime — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. SailTime 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
- $613K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5354)
- Top lenders: Blue Ridge Bank National Association, Gulf Coast Bank and Trust Company
- 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 SailTime.