Food & Restaurants · lender intelligence
How to finance a 3 Natives
The SBA 7(a) lenders funding the most 3 Natives deals, ranked from public loan records — typical 3 Natives loan about $297K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance 3 Natives
$297K
Typical loan
range $250K–$415K
$330K
Est. purchase price
≈ loan ÷ 90%
$44,079
Cash to close
$32,956 down + fees
$4,086/mo
Typical payment
~11% · 10yr
$56,387/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
25 days
Typical time to fund
5
Lenders competing
more = leverage
10.28%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with 3 Natives
Ranked by funded 3 Natives loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.47 loans · $39M · Greenville, PAFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.72 loans · $30M · Oconomowoc, WIFull record →
- 4.62 loans · $26M · Oklahoma City, OKFull record →
- 5.3,264 loans · $846M · Miami, FLFull record →
10+ funded 3 Natives deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Shivay One LLC in Saint Petersburg, FL — $297K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $222K (75%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Bayside Juice Ventures LLC in Sarasota, FL — $388K (2025) · Bank Five Nine
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 110 months
- SBA guaranteed
- $291K (75%)
- Approved
- 11/6/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- 3 Natives Flamingo Crossings in Winter Garden, FL — $250K (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 125 months
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 77 days
- Approved
- 9/8/2025
- First disbursed
- 11/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Bayside Juice Ventures LLC in Sarasota, FL — $421K (2024) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 11% fixed
- Term
- 126 months
- SBA guaranteed
- $315K (75%)
- Approved
- 1/19/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- 3 Natives West Boca in Boca Raton, FL — $120K (2024) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $102K (85%)
- Approval → funding
- 106 days
- Approved
- 9/30/2024
- First disbursed
- 1/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- EQ Restaurants LLC in Royal Palm Beach, FL — $455K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 8 days
- Approved
- 9/27/2023
- First disbursed
- 10/5/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- CJM LLC in Mckinney, TX — $415K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 25 days
- Approved
- 7/13/2023
- First disbursed
- 8/7/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Z T Morris Holdings LLC in Collinsville, OK — $270K (2023) · BancFirst
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 90 months
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 12 days
- Approved
- 2/22/2023
- First disbursed
- 3/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
- 3:16 Investment Partners LLC in Sarasota, FL — $258K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 124 months
- SBA guaranteed
- $194K (75%)
- Approval → funding
- 17 days
- Approved
- 12/2/2022
- First disbursed
- 12/19/2022
- Loan status
- In liquidation
- 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 First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- CJM LLC in Mckinney, TX — $25K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 7/13/2023
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a 3 Natives? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to 3 Natives businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a 3 Natives purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. First National Bank of Pennsylvania funds the most. CapBench is not a lender.
- $297K typical 3 Natives loan
- 5 lenders fund the brand
- 25 days typical to fund
Buyers researching a 3 Natives typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.