Health & Medical · lender intelligence
How to finance a FYZICAL in Florida
The SBA 7(a) lenders funding the most FYZICAL deals in Florida, from public loan records — typical FYZICAL loan about $235K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance FYZICAL in Florida
$201K
Typical loan
range $100K–$286K
$223K
Est. purchase price
≈ loan ÷ 90%
$29,827
Cash to close
$22,300 down + fees
$2,938/mo
Typical payment
~12.5% · 10yr
$40,544/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
12 days
Typical time to fund
7
Lenders competing
more = leverage
8.43%
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 FYZICAL in Florida
Ranked by funded FYZICAL 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 →
- 2.7 loans · $6M · Douglas, GAFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.868 loans · $362M · Salt Lake City, UTFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.23 loans · $30M · Stuart, FLFull record →
13+ funded FYZICAL 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.
- JJWP LLC in Port Saint Lucie, FL — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
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- Physical Therapy of Central Florida LLC in Orlando, FL — $344K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $258K (75%)
- Approval → funding
- 9 days
- Approved
- 2/17/2026
- First disbursed
- 2/26/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- A TO Z THERAPY LLC in Orlando, FL — $161K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $121K (75%)
- Approval → funding
- 14 days
- Approved
- 11/25/2025
- First disbursed
- 12/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- A TO Z THERAPY LLC in Orlando, FL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 11/25/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Physical Therapy of Central Florida LLC in Orlando, FL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/17/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JJWP LLC in Port Saint Lucie, FL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 3/18/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- FYZICAL METRO WEST in Orlando, FL — $100K (2025) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 25 days
- Approved
- 10/31/2024
- First disbursed
- 11/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by Celtic Bank Corporation · Lender record →
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- DKB Health LLC in Saint Petersburg, FL — $286K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $215K (75%)
- Approval → funding
- 20 days
- Approved
- 10/11/2022
- First disbursed
- 10/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Fyzical Therapy & Balance Centers in Ocoee, FL — $285K (2023) · First National Bank of Coffee County
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 123 months
- SBA guaranteed
- $214K (75%)
- Approval → funding
- 12 days
- Approved
- 2/1/2023
- First disbursed
- 2/13/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by First National Bank of Coffee County · Lender record →
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- Lifelong Wellness LLC in Coral Springs, FL — $462K (2022) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 128 months
- SBA guaranteed
- $347K (75%)
- Approval → funding
- 6 days
- Approved
- 2/22/2022
- First disbursed
- 2/28/2022
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by First Bank of the Lake · Lender record →
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- LOVE YOUR LIFE KENDALL, LLC in Miami, FL — $286K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $214K (75%)
- Approval → funding
- 168 days
- Approved
- 3/4/2022
- First disbursed
- 8/19/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Appex Physical Therapy Inc in Orlando, FL — $201K (2021) · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $181K (90%)
- Approval → funding
- 9 days
- Approved
- 8/17/2021
- First disbursed
- 8/26/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
- REGENT THERAPY SERVICES LLC in Lake Mary, FL — $115K (2021) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $104K (90%)
- Approval → funding
- 8 days
- Approved
- 6/22/2021
- First disbursed
- 6/30/2021
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Offices of Physical, Occupational and Speech Therapists, and
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a FYZICAL 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 FYZICAL loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a FYZICAL 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.
- $235K typical FYZICAL loan
- 7 lenders active in Florida
- 13+ funded Florida deals
- 12 days typical to fund
Buyers buying a FYZICAL 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.