Food & Restaurants · lender intelligence
How to finance a Jon Smith Subs in Florida
The SBA 7(a) lenders funding the most Jon Smith Subs deals in Florida, from public loan records — typical Jon Smith Subs loan about $500K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Jon Smith Subs in Florida
$412K
Typical loan
range $412K–$412K
$458K
Est. purchase price
≈ loan ÷ 90%
$61,228
Cash to close
$45,778 down + fees
$5,331/mo
Typical payment
~9.5% · 10yr
$73,568/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
10 days
Typical time to fund
1
Lenders competing
more = leverage
9.25%
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 Jon Smith Subs in Florida
Ranked by funded Jon Smith Subs loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1 loans · $1M · Lincoln, NEFull record →
1+ funded Jon Smith Subs 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.
- Addscott Corporation in West Palm Beach, FL — $412K (2026) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $309K (75%)
- Approval → funding
- 10 days
- Approved
- 12/12/2025
- First disbursed
- 12/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $458K
- Est. down payment (10%)
- $46K
- Est. cash at closing
- $61K
- Monthly payment
- $5,275
- Annual debt service
- $63K
- Cash flow needed (1.25×)
- $79K
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 Pinnacle Bank · Lender record →
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Buying a Jon Smith Subs 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 Jon Smith Subs loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Jon Smith Subs 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. Pinnacle Bank funds the most here. CapBench is not a lender.
- $500K typical Jon Smith Subs loan
- 1 lenders active in Florida
- 1+ funded Florida deals
- 10 days typical to fund
Buyers buying a Jon Smith Subs 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.