Food & Restaurants · lender intelligence
How to finance a Cold Stone Creamery in Florida
The SBA 7(a) lenders funding the most Cold Stone Creamery deals in Florida, from public loan records — typical Cold Stone Creamery loan about $353K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Cold Stone Creamery in Florida
$400K
Typical loan
range $256K–$715K
$444K
Est. purchase price
≈ loan ÷ 90%
$59,444
Cash to close
$44,444 down + fees
$5,176/mo
Typical payment
~9.5% · 10yr
$71,429/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
32 days
Typical time to fund
11
Lenders competing
more = leverage
8.18%
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 Cold Stone Creamery in Florida
Ranked by funded Cold Stone Creamery loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.19 loans · $18M · Grand Rapids, MIFull record →
- 2.149 loans · $135M · Mukwonago, WIFull record →
- 3.2,539 loans · $965M · Columbus, OHFull record →
- 4.23 loans · $30M · Stuart, FLFull record →
- 5.3 loans · $5M · Bainbridge, GAFull record →
- 6.62 loans · $34M · Winter Haven, FLFull record →
- 7.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 8.32 loans · $37M · Champaign, ILFull record →
- 9.5 loans · $4M · Fort Lauderdale, FLFull record →
- 10.40 loans · $42M · Englewood Cliffs, NJFull record →
19+ funded Cold Stone Creamery 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.
- J Lucks Group Me LLC in Sanford, FL — $761K (2026) · Busey Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 124 months
- SBA guaranteed
- $571K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Busey Bank · Lender record →
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- Odeh Saad Enterprise LLC in Sun City Center, FL — $511K (2026) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $383K (75%)
- Approved
- 1/8/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Lake Michigan CU · Lender record →
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- ROCKIE ROADZ LLC in Dunedin, FL — $715K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $536K (75%)
- Approval → funding
- 1 days
- Approved
- 2/5/2025
- First disbursed
- 2/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- UNUS ZABELLE, INC in Homestead, FL — $365K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $274K (75%)
- Approval → funding
- 119 days
- Approved
- 6/11/2025
- First disbursed
- 10/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- JKCI Valrico Corporation in Saint Johns, FL — $250K (2025) · Locality Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 32 days
- Approved
- 12/16/2024
- First disbursed
- 1/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Locality Bank · Lender record →
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- UNUS ZABELLE, INC in Homestead, FL — $25K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 7/29/2025
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- UNUS ZABELLE, INC in Homestead, FL — $25K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 9/23/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- Cold Stone Creamery in Apopka, FL — $743K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $557K (75%)
- Approval → funding
- 38 days
- Approved
- 6/24/2024
- First disbursed
- 8/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Readycap Lending, LLC · Lender record →
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- Best Ice Cream of South Florida LLC in Miami, FL — $689K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $517K (75%)
- Approval → funding
- 265 days
- Approved
- 8/16/2024
- First disbursed
- 5/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- Capital Southern Investments, LLC in Fleming Island, FL — $545K (2022) · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 126 months
- SBA guaranteed
- $409K (75%)
- Approval → funding
- 8 days
- Approved
- 9/14/2022
- First disbursed
- 9/22/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
- JKCI Valrico Corporation in Daytona Beach, FL — $256K (2022) · Lake Michigan CU
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 124 months
- SBA guaranteed
- $192K (75%)
- Approval → funding
- 77 days
- Approved
- 3/24/2022
- First disbursed
- 6/9/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 80
- Business age
- Existing or more than 2 years old
- Industry
- Confectionery and Nut Retailers
Funded by Lake Michigan CU · Lender record →
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- 786 NAZNEEN 1 LLC in Lakeland, FL — $745K (2021) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $671K (90%)
- Approval → funding
- 20 days
- Approved
- 5/20/2021
- First disbursed
- 6/9/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $828K
- Est. down payment (10%)
- $83K
- Est. cash at closing
- $114K
- Monthly payment
- $7,993
- Annual debt service
- $96K
- Cash flow needed (1.25×)
- $120K
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 SouthState Bank, National Association · Lender record →
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- CHINONSO CORPORATION in Ocoee, FL — $400K (2021) · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $360K (90%)
- Approval → funding
- 3 days
- Approved
- 6/21/2021
- First disbursed
- 6/24/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
- Chapel Creamery Inc in Wesley Chapel, FL — $400K (2021) · ConnectOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $360K (90%)
- Approval → funding
- 13 days
- Approved
- 9/17/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by ConnectOne Bank · Lender record →
Your business? Claim this record · Request removal
- DOLAN VENTURES, LLC in Port Saint Lucie, FL — $395K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 124 months
- SBA guaranteed
- $356K (90%)
- Approved
- 8/11/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Ice Cream BRD LLC in Sarasota, FL — $394K (2021) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $355K (90%)
- Approval → funding
- 0 days
- Approved
- 9/8/2021
- First disbursed
- 9/8/2021
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- New Business or 2 years or less
- Industry
- Confectionery and Nut Stores
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
- DHC Ventures, LLC in Jacksonville, FL — $328K (2021) · First Port City Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 121 months
- SBA guaranteed
- $295K (90%)
- Approval → funding
- 88 days
- Approved
- 4/19/2021
- First disbursed
- 7/16/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Port City Bank · Lender record →
Your business? Claim this record · Request removal
- JKCI Valrico Corporation in Riverview, FL — $785K (2020) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 123 months
- SBA guaranteed
- $589K (75%)
- Approval → funding
- 8 days
- Approved
- 2/24/2020
- First disbursed
- 3/3/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 47
- Business age
- Existing or more than 2 years old
- Industry
- Confectionery and Nut Stores
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
- R & J Hill Initiative, L.L.C. in Tampa, FL — $223K (2020) · Achieva CU
- Program
- 7a General
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $167K (75%)
- Approval → funding
- 110 days
- Approved
- 3/12/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Confectionery Manufacturing from Purchased Chocolate
Funded by Achieva CU
Your business? Claim this record · Request removal
Buying a Cold Stone Creamery 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Cold Stone Creamery loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cold Stone Creamery 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. Lake Michigan CU funds the most here. CapBench is not a lender.
- $353K typical Cold Stone Creamery loan
- 11 lenders active in Florida
- 19+ funded Florida deals
- 32 days typical to fund
Buyers buying a Cold Stone Creamery 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- 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.