Automotive · lender intelligence
How to finance a Ice Cold Air in Florida
The SBA 7(a) lenders funding the most Ice Cold Air deals in Florida, from public loan records — typical Ice Cold Air loan about $1.0M. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Ice Cold Air in Florida
$1.02M
Typical loan
range $150K–$2.18M
$1.13M
Est. purchase price
≈ loan ÷ 90%
$155,560
Cash to close
$113,444 down + fees
$13,211/mo
Typical payment
~9.5% · 10yr
$182,312/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
3
Lenders competing
more = leverage
10.69%
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 Ice Cold Air in Florida
Ranked by funded Ice Cold Air loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.20 loans · $8M · Saint Petersburg, FLFull record →
- 2.12 loans · $10M · Tampa, FLFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
4+ funded Ice Cold Air 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.
- Magenta Nine LLC in Clearwater, FL — $1.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $766K (75%)
- Approval → funding
- 16 days
- Approved
- 1/13/2026
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $156K
- Monthly payment
- $12,796
- Annual debt service
- $154K
- Cash flow needed (1.25×)
- $192K
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 →
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- CARS & FAMILIES, INC. in Tampa, FL — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 1 days
- Approved
- 8/20/2024
- First disbursed
- 8/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- CNB Capital, LLC in Tampa, FL — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 11/30/2023
- First disbursed
- 12/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by BayFirst National Bank · Lender record →
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- ICA Ops Corp in Largo, FL — $2.2M (2023) · The Bank of Tampa
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 17 days
- Approved
- 1/6/2023
- First disbursed
- 1/23/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- General Automotive Repair
Funded by The Bank of Tampa · Lender record →
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Buying a Ice Cold Air 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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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 Ice Cold Air loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ice Cold Air 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. BayFirst National Bank funds the most here. CapBench is not a lender.
- $1.0M typical Ice Cold Air loan
- 3 lenders active in Florida
- 4+ funded Florida deals
- 16 days typical to fund
Buyers buying a Ice Cold Air 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 2026-06-18.
- 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.