Food & Restaurants · lender intelligence
How to finance a Crumbl in Florida
The SBA 7(a) lenders funding the most Crumbl deals in Florida, from public loan records — typical Crumbl loan about $473K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Crumbl in Florida
$494K
Typical loan
range $400K–$708K
$549K
Est. purchase price
≈ loan ÷ 90%
$73,400
Cash to close
$54,878 down + fees
$6,391/mo
Typical payment
~9.5% · 10yr
$88,196/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
23 days
Typical time to fund
14
Lenders competing
more = leverage
7.43%
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 Crumbl in Florida
Ranked by funded Crumbl loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.168 loans · $205M · Fishers, INFull record →
- 3.88 loans · $96M · Muncie, INFull record →
- 4.116 loans · $120M · Evansville, INFull record →
- 5.2,539 loans · $965M · Columbus, OHFull record →
- 6.22 loans · $20M · Little Rock, ARFull record →
- 7.16 loans · $21M · Las Vegas, NVFull record →
- 8.58 loans · $51M · Burlington, KYFull record →
- 9.60 loans · $40M · Clayton, MOFull record →
- 10.1 loans · $1M · Lincoln, NEFull record →
- 11.129 loans · $234M · New York, NYFull record →
- 12.66 loans · $68M · Milford, IAFull record →
- 13.20 loans · $8M · Saint Petersburg, FLFull record →
- 14.6 loans · $6M · Conway, ARFull record →
28+ funded Crumbl 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.
- CRUMBL - MILLENIA FL in Orlando, FL — $905K (2026) · purchase · Heritage Bank Inc
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $679K (75%)
- Approval → funding
- 28 days
- Approved
- 11/13/2025
- First disbursed
- 12/11/2025
- 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
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $101K
- Est. cash at closing
- $138K
- Monthly payment
- $11,960
- Annual debt service
- $144K
- Cash flow needed (1.25×)
- $179K
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 Heritage Bank Inc · Lender record →
Your business? Claim this record · Request removal
- Crumbl Cookies in Palm Beach Gardens, FL — $1.2M (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.98% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $878K (75%)
- Approval → funding
- 7 days
- Approved
- 4/17/2023
- First disbursed
- 4/24/2023
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $130K
- Est. cash at closing
- $178K
- Monthly payment
- $14,808
- Annual debt service
- $178K
- Cash flow needed (1.25×)
- $222K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- JOYOUS CREATIONS LLC in North Port, FL — $775K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $581K (75%)
- Approval → funding
- 13 days
- Approved
- 11/1/2022
- First disbursed
- 11/14/2022
- Loan status
- Paid in full (8/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 51
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- JAUNTY CREATIONS LLC in Venice, FL — $740K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $555K (75%)
- Approved
- 5/24/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 51
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- HANA COOKIES, LLC in Winter Garden, FL — $720K (2023) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $540K (75%)
- Approval → funding
- 74 days
- Approved
- 12/23/2022
- First disbursed
- 3/7/2023
- Loan status
- Paid in full (5/31/2025)
- 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
- Retail Bakeries
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- VDub Trois LLC in Lakeland, FL — $678K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 129 months
- SBA guaranteed
- $509K (75%)
- Approved
- 6/26/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 72
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- Rough Brothers 2 LLC in Pinellas Park, FL — $651K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $488K (75%)
- Approval → funding
- 17 days
- Approved
- 4/14/2023
- First disbursed
- 5/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 100
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- CRUMBL STEWART - KANNER HWY in Stuart, FL — $565K (2023) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $424K (75%)
- Approval → funding
- 26 days
- Approved
- 3/10/2023
- First disbursed
- 4/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 45
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- CRUMBL--DAVIE in Davie, FL — $4.6M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 119 months
- SBA guaranteed
- $3.4M (73%)
- Approval → funding
- 11 days
- Approved
- 7/28/2022
- First disbursed
- 8/8/2022
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 55
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $5.1M
- Est. down payment (10%)
- $511K
- Est. cash at closing
- $707K
- Monthly payment
- $54,911
- Annual debt service
- $659K
- Cash flow needed (1.25×)
- $824K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Crumbl - Gulf Breeze in Gulf Breeze, FL — $708K (2022) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 126 months
- SBA guaranteed
- $531K (75%)
- Approval → funding
- 61 days
- Approved
- 7/21/2022
- First disbursed
- 9/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- Rough Brothers 1, LLC in Palm Harbor, FL — $527K (2022) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $395K (75%)
- Approval → funding
- 35 days
- Approved
- 3/2/2022
- 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
- 54
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- Crumbl - Lake Washington in Melbourne, FL — $510K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $383K (75%)
- Approval → funding
- 14 days
- Approved
- 5/24/2022
- First disbursed
- 6/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Crumbl - Hammock Landing in Melbourne, FL — $495K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $371K (75%)
- Approval → funding
- 176 days
- Approved
- 5/24/2022
- First disbursed
- 11/16/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Sweetwell Enterprises LLC in West Palm Beach, FL — $494K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $370K (75%)
- Approval → funding
- 22 days
- Approved
- 5/16/2022
- First disbursed
- 6/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 68
- 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
- Sweet Be LLC in Naples, FL — $492K (2022) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $369K (75%)
- Approval → funding
- 26 days
- Approved
- 1/5/2022
- First disbursed
- 1/31/2022
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 62
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
- Reaveley Management LLC in Boynton Beach, FL — $483K (2022) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $362K (75%)
- Approval → funding
- 163 days
- Approved
- 5/11/2022
- First disbursed
- 10/21/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- YAZ Cookie CO- Dania Beach in Hollywood, FL — $473K (2022) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 123 months
- SBA guaranteed
- $355K (75%)
- Approval → funding
- 0 days
- Approved
- 5/9/2022
- First disbursed
- 5/9/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 38
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- CRUMBL - VERO BEACH in Indialantic, FL — $455K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 371 days
- Approved
- 5/24/2022
- First disbursed
- 5/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CRUMBL - STUART in Stuart, FL — $400K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 129 months
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 13 days
- Approved
- 8/19/2022
- First disbursed
- 9/1/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 72
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CRUMBL - JUPITER in Jupiter, FL — $400K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 129 months
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 13 days
- Approved
- 8/19/2022
- First disbursed
- 9/1/2022
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 72
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Crumbl 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Crumbl loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Crumbl 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. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $473K typical Crumbl loan
- 14 lenders active in Florida
- 28+ funded Florida deals
- 23 days typical to fund
Buyers buying a Crumbl 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 2026-06-17.
- 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.