How to finance a Grumpy's Restaurant in Florida

The SBA 7(a) lenders funding the most Grumpy's Restaurant deals in Florida, from public loan records — typical Grumpy's Restaurant loan about $895K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Grumpy's Restaurant in Florida

$895K

Typical loan

range $808K–$895K

$994K

Est. purchase price

≈ loan ÷ 90%

$136,363

Cash to close

$99,444 down + fees

$11,581/mo

Typical payment

~9.5% · 10yr

$159,818/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

7.25%

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 Grumpy's Restaurant in Florida

Ranked by funded Grumpy's Restaurant loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.75 loans · $98M · Sioux Falls, SDFull record →
2.1 loans · $1M · Alma, GAFull record →

6+ funded Grumpy's Restaurant 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.

WE'RE GRUMPY TWO LLC in Middleburg, FL — $808K (2026) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$606K (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
96
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
WE'RE GRUMPY, LLC in Fleming Island, FL — $184K (2026) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$138K (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Grumpy's Restaurant Company Neptune Beach in Neptune Beach, FL — $1.3M (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
126 months
SBA guaranteed
$941K (75%)
Approval → funding
22 days
Approved
9/8/2022
First disbursed
9/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Grumpy’s Restaurant Company Neptune Beach in Neptune Beach, FL — $895K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
126 months
SBA guaranteed
$671K (75%)
Approved
7/5/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Grumpy's Restaurant Company Neptune Beach in Neptune Beach, FL — $895K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$671K (75%)
Approved
3/14/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
RHODEN ENTERPRISES AT WILDLIGHT LLC in Yulee, FL — $844K (2022) · Pineland Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
129 months
SBA guaranteed
$633K (75%)
Approval → funding
22 days
Approved
7/12/2022
First disbursed
8/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Pineland Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Grumpy's Restaurant 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 Grumpy's Restaurant loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Grumpy's Restaurant 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 Bancorp Bank National Association funds the most here. CapBench is not a lender.

$895K typical Grumpy's Restaurant loan
3 lenders active in Florida
6+ funded Florida deals
22 days typical to fund

Buyers buying a Grumpy's Restaurant 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 Grumpy's Restaurant lenders

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.
Canonical:: https://www.capbench.com/lenders/franchise/grumpy-s-restaurant/florida
API:: https://www.capbench.com/api/public/lenders?franchise=grumpy-s-restaurant
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.