Food & Restaurants · lender intelligence

How to finance a Checkers in Florida

State:

The SBA 7(a) lenders funding the most Checkers deals in Florida, from public loan records — typical Checkers loan about $1.1M. A bank already funding the brand in your state knows it twice over.

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

$1.03M

Typical loan

range $620K–$1.14M

$1.15M

Est. purchase price

≈ loan ÷ 90%

$157,694

Cash to close

$115,000 down + fees

$13,393/mo

Typical payment

~9.5% · 10yr

$184,823/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

10 days

Typical time to fund

Lenders competing

more = leverage

5.56%

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 Checkers in Florida

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

1.72 loans · $30M · Oconomowoc, WIFull record →
2.1 loans · $0M · Zebulon, GAFull record →

4+ funded Checkers 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.

CHECKERS OF TAMPA in Tampa, FL — $620K (2022) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
302 months
SBA guaranteed
$465K (75%)
Approval → funding
6 days
Approved
5/31/2022
First disbursed
6/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
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
SAI of JACKSONVILLE, LLC in Orange Park, FL — $314K (2022) · United Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
10 days
Approved
1/21/2022
First disbursed
1/31/2022
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by United Bank · Lender record →
Your business? Claim this record · Request removal
SAI of JACKSONVILLE, LLC in Orange Park, FL — $1.1M (2021) · United Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (90%)
Approval → funding
1 days
Approved
7/30/2021
First disbursed
7/31/2021
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
70
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by United Bank · Lender record →
Your business? Claim this record · Request removal
CHECKERS OF TAMPA in Tampa, FL — $1.0M (2021) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
302 months
SBA guaranteed
$932K (90%)
Approval → funding
10 days
Approved
4/20/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
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

Buying a Checkers 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 Checkers loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Checkers 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. Bank Five Nine funds the most here. CapBench is not a lender.

$1.1M typical Checkers loan
2 lenders active in Florida
4+ funded Florida deals
10 days typical to fund

Buyers buying a Checkers 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 Checkers 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/checkers/florida
API:: https://www.capbench.com/api/public/lenders?franchise=checkers
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.