SoFresh, by the numbers

SoFresh appears in 8 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). 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

Deals since 2020

$580K

Typical deal

Deals since FY2025

—

Too few deals to score risk

SoFresh has 8 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

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.

Your deal size$580K

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

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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)SoFresh lenders in Florida->

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Insider move

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Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable SoFresh lending specialist.

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

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/sofresh
API:: https://www.capbench.com/api/public/franchises/sofresh
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 SoFresh.