Hotels & Lodging · lender intelligence
How to finance a Key West
The SBA 7(a) lenders funding the most Key West deals, ranked from public loan records — typical Key West loan about $1.1M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Key West
$1.09M
Typical loan
range $900K–$1.09M
$1.21M
Est. purchase price
≈ loan ÷ 90%
$165,769
Cash to close
$120,889 down + fees
$14,078/mo
Typical payment
~9.5% · 10yr
$194,276/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
2
Lenders competing
more = leverage
5.5%
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 Key West
Ranked by funded Key West loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.98 loans · $309M · Las Vegas, NVFull record →
- 2.3 loans · $5M · Bainbridge, GAFull record →
2+ funded Key West 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.
- Sun Moon Enterprises, Inc. in Baxley, GA — $900K (2021) · GBank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $810K (90%)
- Approval → funding
- 9 days
- Approved
- 3/9/2021
- First disbursed
- 3/18/2021
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Hotels (except Casino Hotels) and Motels
Funded by GBank · Lender record →
Your business? Claim this record · Request removal
- OUHM HOTEL LLC in Robinsonville, MS — $1.1M (2020) · First Port City Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $816K (75%)
- Approval → funding
- 15 days
- Approved
- 9/8/2020
- First disbursed
- 9/23/2020
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Hotels (except Casino Hotels) and Motels
Funded by First Port City Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Key West? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — 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 loans to Key West businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Key West purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. GBank funds the most. CapBench is not a lender.
- $1.1M typical Key West loan
- 2 lenders fund the brand
- 15 days typical to fund
Buyers researching a Key West typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- 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.