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Tropical Smoothie Cafe, 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 S1815)

266 deals since 2020 · typical deal $425K · 0% failure rate

266

Deals since 2020

$425K

Typical deal

71

Deals since FY2025

0%

Failure rate (FY20–23)

Tropical Smoothie Cafe buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Tropical Smoothie Cafe

Most Tropical Smoothie Cafe deals financed between $348K and $560K. Above $560K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$5,558
Down payment (10%)
$47K
Cash to close (all-in)
$63K

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 ~$63K)

Experience

Recent financings

  • GREENFORK BOWIE LLC in Bowie, MD — $1.2M (2026) · purchase · Live Oak Banking Company
  • RAM74 LLC in Conyers, GA — $850K (2026) · purchase · Byline Bank
  • Garn NY015, Inc. in Patchogue, NY — $794K (2026) · purchase · Live Oak Banking Company
  • TROPICAL SMOOTHIE CAFE in Broussard, LA — $708K (2026) · Gulf Coast Bank
  • CR Cafes, L.L.C. in Youngsville, LA — $637K (2026) · Gulf Coast Bank
  • Hari Krishna Cafe 1 LLC in Souderton, PA — $630K (2026) · Wilmington Savings Fund Society FSB
  • SMOOTHIEMAP2 LLC in Marana, AZ — $620K (2026) · Wilmington Savings Fund Society FSB
  • Tropical Smoothie Cafe in Charleston, SC — $611K (2026) · SouthState Bank, National Association
  • RHC ENTERPRISES LLC in Titusville, FL — $553K (2026) · The Huntington National Bank
  • TROPIC WRX OH-121, LLC in Tiffin, OH — $500K (2026) · Live Oak Banking Company

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Tropical Smoothie Cafe brand mark

Who funds Tropical Smoothie Cafe — and where

Every dot is a financed Tropical Smoothie Cafe — 264 mapped.

Financed Tropical Smoothie Cafe locations — list all 264 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(41)
  2. 2.The Huntington National Bank(24)
  3. 3.Citizens Bank(18)
  4. 4.United Community Bank(13)
  5. 5.SouthState Bank, National Association(12)

Most active states

  1. 1.Texas (37 loans)
  2. 2.Florida (36 loans)
  3. 3.North Carolina (18 loans)
  4. 4.Georgia (17 loans)
  5. 5.New York (16 loans)
  6. 6.Pennsylvania (15 loans)
  7. 7.Maryland (12 loans)
  8. 8.Ohio (12 loans)

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Common questions

How much does a Tropical Smoothie Cafe cost to buy or open?

The typical deal for Tropical Smoothie Cafe is $425K across 266 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $47K of buyer cash on a typical deal.

How risky is Tropical Smoothie Cafe?

0% of Tropical Smoothie Cafe's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Tropical Smoothie Cafe with an SBA loan?

Yes — Tropical Smoothie Cafe has been SBA-financed 71 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Tropical Smoothie Cafe franchise

Most Tropical Smoothie Cafe 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 Tropical Smoothie Cafe deal financed for $425K, which points to about $47K of buyer cash on a typical purchase. Tropical Smoothie Cafe is listed in the SBA Franchise Directory (identifier S1815), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Tropical Smoothie Cafe — 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 Tropical Smoothie Cafe — 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 Tropical Smoothie Cafe — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Tropical Smoothie Cafe is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 266 SBA 7(a) deals since 2020
  • $425K typical deal
  • 71 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1815)
  • Top lenders: Live Oak Banking Company, The Huntington National Bank, Citizens Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/tropical-smoothie-cafe
API:
https://www.capbench.com/api/public/franchises/tropical-smoothie-cafe
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 Tropical Smoothie Cafe.

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