How to finance a Charleys Philly Steaks in Florida

State:

The SBA 7(a) lenders funding the most Charleys Philly Steaks deals in Florida, from public loan records — typical Charleys Philly Steaks loan about $425K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Charleys Philly Steaks in Florida

$299K

Typical loan

range $150K–$537K

$332K

Est. purchase price

≈ loan ÷ 90%

$44,376

Cash to close

$33,178 down + fees

$4,113/mo

Typical payment

~11% · 10yr

$56,759/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

Lenders competing

more = leverage

8.15%

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 Charleys Philly Steaks in Florida

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.318 loans · $229M · Osage Beach, MOFull record →
3.103 loans · $64M · Indiana, PAFull record →
4.78 loans · $79M · New Orleans, LAFull record →
5.36 loans · $35M · Memphis, TNFull record →
6.1 loans · $1M · Lincoln, NEFull record →
7.75 loans · $98M · Sioux Falls, SDFull record →

18+ funded Charleys Philly Steaks 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.

Bisou Bisou Incorporated in Apopka, FL — $2.3M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$253K
Est. cash at closing
$349K
Monthly payment
$27,827
Annual debt service
$334K
Cash flow needed (1.25×)
$417K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Bisou Bisou Incorporated in Apopka, FL — $150K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approved
1/30/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,860
Annual debt service
$22K
Cash flow needed (1.25×)
$28K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
STM2678, LLC in Clearwater, FL — $300K (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
30 days
Approved
5/7/2025
First disbursed
6/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
STRONGHORSE4545 LLC in Sarasota, FL — $283K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$192K (68%)
Approved
1/28/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Whitehorse4545 LLC in Bradenton, FL — $94K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$55K (58%)
Approved
1/28/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
STG For Restaurant Management LLC in Tampa, FL — $75K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
38 days
Approved
3/16/2024
First disbursed
4/23/2024
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
STG For Restaurant Management LLC in Tampa, FL — $537K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$403K (75%)
Approval → funding
1 days
Approved
3/6/2023
First disbursed
3/7/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
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
Black Horse 4545 LLC in Bradenton, FL — $299K (2023) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$224K (75%)
Approval → funding
6 days
Approved
9/28/2023
First disbursed
10/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
ROJS LLC in Ocala, FL — $282K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$212K (75%)
Approval → funding
4 days
Approved
3/31/2023
First disbursed
4/4/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Charley's Philly Cheesesteak in Bradenton, FL — $240K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$180K (75%)
Approved
4/5/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Charley's Philly Steak in Coral Springs, FL — $1.1M (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
127 months
SBA guaranteed
$788K (75%)
Approved
1/13/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
145
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Charley's Philly Steaks in Coral Springs, FL — $613K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$460K (75%)
Approval → funding
12 days
Approved
3/25/2022
First disbursed
4/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
111
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Heinze Foods, Inc. in Wesley Chapel, FL — $417K (2022) · purchase · First Horizon Bank
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$312K (75%)
Approved
4/29/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
33
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$463K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$4,782
Annual debt service
$57K
Cash flow needed (1.25×)
$72K
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 First Horizon Bank · Lender record →
Your business? Claim this record · Request removal
Mary Theotokos LLC in Tampa, FL — $406K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$305K (75%)
Approval → funding
1 days
Approved
12/21/2021
First disbursed
12/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
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
VULCAIN TEN INC. in North Miami Beach, FL — $150K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
127 months
SBA guaranteed
$113K (75%)
Approved
2/3/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
VULCAIN TEN INC. in Tamarac, FL — $150K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
127 months
SBA guaranteed
$113K (75%)
Approved
2/3/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
VULCAIN NINE INC. in Miami, FL — $150K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
127 months
SBA guaranteed
$113K (75%)
Approved
2/3/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
GOOD SHEPHERD FOOD SERVICES LLC in Palm Bay, FL — $1.4M (2020) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
306 months
SBA guaranteed
$1.0M (75%)
Approval → funding
14 days
Approved
9/16/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal

Buying a Charleys Philly Steaks in Florida? Start with a lender that funds them here

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

Agent summary

How to finance a Charleys Philly Steaks 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. The Huntington National Bank funds the most here. CapBench is not a lender.

$425K typical Charleys Philly Steaks loan
8 lenders active in Florida
18+ funded Florida deals
12 days typical to fund

Buyers buying a Charleys Philly Steaks 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 Charleys Philly Steaks 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/charleys-philly-steaks/florida
API:: https://www.capbench.com/api/public/lenders?franchise=charleys-philly-steaks
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.