Food & Restaurants · lender intelligence

How to finance a 3 Natives in Florida

State:

The SBA 7(a) lenders funding the most 3 Natives deals in Florida, from public loan records — typical 3 Natives loan about $297K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance 3 Natives in Florida

$297K

Typical loan

range $250K–$421K

$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

77 days

Typical time to fund

Lenders competing

more = leverage

10.32%

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 in Florida

Ranked by funded 3 Natives loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.47 loans · $39M · Greenville, PAFull record →
2.72 loans · $30M · Oconomowoc, WIFull record →
3.3,264 loans · $846M · Miami, FLFull record →
4.2,539 loans · $965M · Columbus, OHFull record →

7+ funded 3 Natives in Florida 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
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

Buying a 3 Natives in Florida? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded 3 Natives loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a 3 Natives purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. First National Bank of Pennsylvania funds the most here. CapBench is not a lender.

$297K typical 3 Natives loan
4 lenders active in Florida
7+ funded Florida deals
77 days typical to fund

Buyers buying a 3 Natives in Florida typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All 3 Natives lenders

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/lenders/franchise/3-natives/florida
API:: https://www.capbench.com/api/public/lenders?franchise=3-natives
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.