Health & Medical · lender intelligence
How to finance a Garra Spas in Florida
The SBA 7(a) lenders funding the most Garra Spas deals in Florida, from public loan records — typical Garra Spas loan about $170K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Garra Spas in Florida
$197K
Typical loan
range $30K–$197K
$219K
Est. purchase price
≈ loan ÷ 90%
$29,233
Cash to close
$21,856 down + fees
$2,879/mo
Typical payment
~12.5% · 10yr
$39,730/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
18 days
Typical time to fund
2
Lenders competing
more = leverage
10.25%
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 Garra Spas in Florida
Ranked by funded Garra Spas loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.128 loans · $40M · Wilmington, DEFull record →
2+ funded Garra Spas 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.
- DR IT INVESTMENTS LLC in Orlando, FL — $30K (2023) · PNC Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 14.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 11 days
- Approved
- 4/14/2023
- First disbursed
- 4/25/2023
- Loan status
- Failed — $27K charged off (1/8/2026)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Other Personal Care Services
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Garra Spa in Cocoa Beach, FL — $197K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 75 months
- SBA guaranteed
- $148K (75%)
- Approval → funding
- 18 days
- Approved
- 11/12/2021
- First disbursed
- 11/30/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Other Personal Care Services
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Buying a Garra Spas 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 Garra Spas loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Garra Spas 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. PNC Bank, National Association funds the most here. CapBench is not a lender.
- $170K typical Garra Spas loan
- 2 lenders active in Florida
- 2+ funded Florida deals
- 18 days typical to fund
Buyers buying a Garra Spas 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 2026-06-22.
- 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.