How to finance a Grain & Berry Cafe in Florida

State:

The SBA 7(a) lenders funding the most Grain & Berry Cafe deals in Florida, from public loan records — typical Grain & Berry Cafe loan about $439K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Grain & Berry Cafe in Florida

$528K

Typical loan

range $346K–$560K

$587K

Est. purchase price

≈ loan ÷ 90%

$78,467

Cash to close

$58,667 down + fees

$6,832/mo

Typical payment

~9.5% · 10yr

$94,282/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

55 days

Typical time to fund

Lenders competing

more = leverage

9.88%

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 Grain & Berry Cafe in Florida

Ranked by funded Grain & Berry Cafe 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 →
2.242 loans · $281M · Chicago, ILFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.168 loans · $205M · Fishers, INFull record →
5.20 loans · $8M · Saint Petersburg, FLFull record →

10+ funded Grain & Berry Cafe 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.

Grain and Berry Apopka in Apopka, FL — $578K (2025) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$434K (75%)
Approval → funding
15 days
Approved
2/11/2025
First disbursed
2/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Gray & Bell, LLC in Kissimmee, FL — $560K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
125 months
SBA guaranteed
$420K (75%)
Approval → funding
55 days
Approved
9/25/2025
First disbursed
11/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
V&L Rooted LLC in Orlando, FL — $555K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
124 months
SBA guaranteed
$416K (75%)
Approval → funding
13 days
Approved
5/9/2025
First disbursed
5/22/2025
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
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Grain and Berry IDrive Orlando in Tampa, FL — $528K (2025) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$396K (75%)
Approval → funding
127 days
Approved
11/21/2024
First disbursed
3/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Saunders Healthy Way LLC in Winter Garden, FL — $360K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$270K (75%)
Approved
5/9/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
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
Saunders Healthy Way LLC in Winter Garden, FL — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/9/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
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
McLaughlin Family Management LLC in Lake Worth, FL — $565K (2023) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
129 months
SBA guaranteed
$424K (75%)
Approval → funding
65 days
Approved
9/27/2023
First disbursed
12/1/2023
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
30
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
Healthy KNR LLC in Boca Raton, FL — $434K (2023) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
126 months
SBA guaranteed
$326K (75%)
Approval → funding
91 days
Approved
9/27/2023
First disbursed
12/27/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
Clearwater Amazebowls, LLC in Clearwater, FL — $346K (2022) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$260K (75%)
Approval → funding
23 days
Approved
8/16/2022
First disbursed
9/8/2022
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
Limited-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Amazebowls, LLC in Tampa, FL — $265K (2022) · Lake Michigan CU
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$198K (75%)
Approval → funding
27 days
Approved
2/2/2022
First disbursed
3/1/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal

Buying a Grain & Berry Cafe 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 Grain & Berry Cafe loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Grain & Berry Cafe 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.

$439K typical Grain & Berry Cafe loan
5 lenders active in Florida
10+ funded Florida deals
55 days typical to fund

Buyers buying a Grain & Berry Cafe 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 Grain & Berry Cafe lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/grain-berry-cafe/florida
API:: https://www.capbench.com/api/public/lenders?franchise=grain-berry-cafe
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.