Food & Restaurants · lender intelligence

How to finance a Jimmy John's in Florida

State:

Arizona (4)Arkansas (1)California (6)Colorado (6)Georgia (9)Idaho (1)Illinois (7)Indiana (10)Iowa (1)Kansas (2)Kentucky (4)Maryland (1)

The SBA 7(a) lenders funding the most Jimmy John's deals in Florida, from public loan records — typical Jimmy John's loan about $520K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Jimmy John's in Florida

$350K

Typical loan

range $55K–$492K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

9.33%

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 Jimmy John's in Florida

Ranked by funded Jimmy John's 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 →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.16 loans · $21M · Las Vegas, NVFull record →
4.23 loans · $30M · Stuart, FLFull record →
5.62 loans · $21M · Saint Cloud, MNFull record →

6+ funded Jimmy John's 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.

JIMMY JOHN'S PALM HARBOR in Palm Harbor, FL — $350K (2025) · purchase · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
14 days
Approved
7/23/2025
First disbursed
8/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,577
Annual debt service
$55K
Cash flow needed (1.25×)
$69K
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 Meadows Bank · Lender record →
Your business? Claim this record · Request removal
FRDM 5 LLC in Wesley Chapel, FL — $492K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$369K (75%)
Approval → funding
10 days
Approved
8/13/2024
First disbursed
8/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
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
Jimmy John's in Port Saint Lucie, FL — $255K (2024) · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$191K (75%)
Approval → funding
51 days
Approved
3/11/2024
First disbursed
5/1/2024
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
FRDM 5 LLC in Wesley Chapel, FL — $40K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
323 days
Approved
8/13/2024
First disbursed
7/2/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
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
Emerald Coast Subs III, LLC in Miramar Beach, FL — $535K (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$482K (90%)
Approved
4/12/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Quain Enterprises LLC in Pembroke Pines, FL — $55K (2020) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$47K (85%)
Approval → funding
17 days
Approved
10/14/2019
First disbursed
10/31/2019
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Jimmy John's 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.

Free · No documents · Usually same-day

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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Jimmy John's loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Jimmy John's 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.

$520K typical Jimmy John's loan
5 lenders active in Florida
6+ funded Florida deals
17 days typical to fund

Buyers buying a Jimmy John's 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 Jimmy John's lenders

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.
Canonical:: https://www.capbench.com/lenders/franchise/jimmy-john-s/florida
API:: https://www.capbench.com/api/public/lenders?franchise=jimmy-john-s&state=FL
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.