SoFresh, 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 S5983)
8 deals since 2020 · typical deal $580K
8
Deals since 2020
$580K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for SoFresh
Most SoFresh deals financed between $439K and $648K. Above $648K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $7,585
- Down payment (10%)
- $64K
- Cash to close (all-in)
- $86K
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 ~$86K)
Experience
Recent financings
- SF NOC LLC in Jacksonville, FL — $648K (2026) · Valley National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $486K (75%)
- Approved
- 2/4/2026
- Loan status
- Committed
- 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 Valley National Bank · Lender record →
Your business? Claim this record · Request removal
- J&T FL, LLC in Winter Springs, FL — $365K (2026) · OptimumBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 123 months
- SBA guaranteed
- $274K (75%)
- Approved
- 1/26/2026
- Loan status
- Committed
- 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 OptimumBank · Lender record →
Your business? Claim this record · Request removal
- SoFresh in Jacksonville, FL — $585K (2024) · OptimumBank
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $439K (75%)
- Approval → funding
- 166 days
- Approved
- 7/31/2024
- First disbursed
- 1/13/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by OptimumBank · Lender record →
Your business? Claim this record · Request removal
- SF3DTTampa, LLC in Tampa, FL — $580K (2024) · purchase · Valley National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $435K (75%)
- Approval → funding
- 11 days
- Approved
- 8/2/2024
- First disbursed
- 8/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $644K
- Est. down payment (10%)
- $64K
- Est. cash at closing
- $86K
- Monthly payment
- $7,826
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $117K
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 Valley National Bank · Lender record →
Your business? Claim this record · Request removal
- Hamza SF LLC in Lakeland, FL — $782K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $586K (75%)
- Approval → funding
- 18 days
- Approved
- 3/6/2023
- First disbursed
- 3/24/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- LIVE TRUE ENTERPRISE, LLC in Lutz, FL — $439K (2023) · Valley National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $329K (75%)
- Approval → funding
- 14 days
- Approved
- 12/20/2022
- First disbursed
- 1/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
- SF2SOHO LLC in Tampa, FL — $466K (2021) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 83 months
- SBA guaranteed
- $420K (90%)
- Approval → funding
- 17 days
- Approved
- 9/13/2021
- First disbursed
- 9/30/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
- NICLOG ENTERPRISES CORP in Palm Harbor, FL — $409K (2021) · Valley National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $368K (90%)
- Approval → funding
- 5 days
- Approved
- 6/24/2021
- First disbursed
- 6/29/2021
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Valley National Bank · 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 SoFresh?
Get qualified with a franchise lending specialist before discovery day — know your number first.
Who funds SoFresh — and where
Every dot is a financed SoFresh — 8 mapped.
Financed SoFresh locations — list all 8 as text
- LIVE TRUE ENTERPRISE, LLC — Lutz · $439K · FY2023 · Limited-Service Restaurants
- Hamza SF LLC — Lakeland · $782K · FY2023 · Limited-Service Restaurants
- SoFresh — Jacksonville · $585K · FY2024 · Limited-Service Restaurants
- SF3DTTampa, LLC — Tampa · $580K · FY2024 · Limited-Service Restaurants
- J&T FL, LLC — Winter Springs · $365K · FY2026 · Limited-Service Restaurants
- SF NOC LLC — Jacksonville · $648K · FY2026 · Limited-Service Restaurants
- NICLOG ENTERPRISES CORP — Palm Harbor · $409K · FY2021 · Limited-Service Restaurants
- SF2SOHO LLC — Tampa · $466K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Florida (8 loans)
Represent SoFresh?
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 SoFresh cost to buy or open?
The typical deal for SoFresh is $580K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $64K of buyer cash on a typical deal.
How risky is SoFresh?
SoFresh has 8 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 SoFresh with an SBA loan?
Yes — SoFresh has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a SoFresh franchise
Most SoFresh 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 SoFresh deal financed for $580K, which points to about $64K of buyer cash on a typical purchase. SoFresh is listed in the SBA Franchise Directory (identifier S5983), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund SoFresh — 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 SoFresh — 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 SoFresh — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. SoFresh is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 SBA 7(a) deals since 2020
- $580K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5983)
- Top lenders: Valley National Bank, OptimumBank, First National Bank of Pennsylvania
- 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 SoFresh?
Five minutes with a specialist who's seen SoFresh deals close answers more than an hour of searching. Free, usually same-day.
Represent SoFresh?
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 SoFresh.