Food & Restaurants · lender intelligence

How to finance a Kona Ice

State:

The SBA 7(a) lenders funding the most Kona Ice deals, ranked from public loan records — typical Kona Ice loan about $156K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Kona Ice

$150K

Typical loan

range $100K–$279K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

8.07%

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 Kona Ice

Ranked by funded Kona Ice loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.97 loans · $156M · Clayton, MOFull record →
2.868 loans · $362M · Salt Lake City, UTFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.2 loans · $0M · Colorado Springs, COFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.2 loans · $1M · Brighton, MIFull record →
7.1,025 loans · $292M · Berkeley Heights, NJFull record →
8.16 loans · $13M · Dearborn, MIFull record →
9.12 loans · $24M · South Bend, INFull record →
10.15 loans · $13M · Flowood, MSFull record →
11.11 loans · $3M · Charles Town, WVFull record →
12.499 loans · $106M · Los Angeles, CAFull record →
13.12 loans · $14M · Mobile, ALFull record →
14.62 loans · $21M · Saint Cloud, MNFull record →
15.72 loans · $30M · Oconomowoc, WIFull record →
16.97 loans · $96M · Raleigh, NCFull record →
17.291 loans · $320M · Laguna Hills, CAFull record →

23+ funded Kona Ice 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.

KKICE LLC in Eugene, OR — $561K (2026) · Enterprise Bank & Trust
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$420K (75%)
Approved
1/27/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Caterers
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
KONA ICE OF NORTHERN EUGENE in Eugene, OR — $561K (2026) · Enterprise Bank & Trust
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$420K (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Caterers
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
TKS Partners LLC in Ventura, CA — $375K (2026) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$281K (75%)
Approved
3/13/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Mobile Food Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
3 Vs, LLC in Lansing, MI — $252K (2026) · purchase · Lake Trust CU
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$189K (75%)
Approved
3/5/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Mobile Food Services
If you were the buyer here
Est. deal size
$280K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,261
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 Lake Trust CU · Lender record →
Your business? Claim this record · Request removal
K&S SHAVED ICE, LLC in Longview, TX — $150K (2026) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Rehkopf & Son's LLC in Waterford, MI — $279K (2025) · purchase · DFCU Financial
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$209K (75%)
Approval → funding
45 days
Approved
4/15/2025
First disbursed
5/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Mobile Food Services
If you were the buyer here
Est. deal size
$310K
Est. down payment (10%)
$31K
Est. cash at closing
$41K
Monthly payment
$3,687
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 DFCU Financial · Lender record →
Your business? Claim this record · Request removal
Travelin' Tom's Coffee of Central El Paso Co. in Colorado Springs, CO — $225K (2025) · Wings Credit Union
Program
7a General
Rate at approval
10.5% variable
Term
122 months
SBA guaranteed
$169K (75%)
Approval → funding
14 days
Approved
8/22/2025
First disbursed
9/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Mobile Food Services
Funded by Wings Credit Union · Lender record →
Your business? Claim this record · Request removal
Surtrs Sundries Inc in Martinsburg, WV — $205K (2025) · Potomac Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$154K (75%)
Approval → funding
71 days
Approved
10/10/2024
First disbursed
12/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Mobile Food Services
Funded by Potomac Bank · Lender record →
Your business? Claim this record · Request removal
Kona Ice of East Valley in Mesa, AZ — $150K (2025) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
24 days
Approved
5/30/2025
First disbursed
6/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
ADVENTURE DREAMING LLC in Santa Rosa, CA — $150K (2025) · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
12.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
22 days
Approved
12/17/2024
First disbursed
1/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Lendistry SBLC, LLC · Lender record →
Your business? Claim this record · Request removal
Bronuts LLC in Fallston, MD — $100K (2025) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
22 days
Approved
9/23/2025
First disbursed
10/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Howard Penn, LLC in Lebanon, TN — $367K (2023) · 22nd State Bank, A Division of 22nd State Banking Company
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$275K (75%)
Approval → funding
25 days
Approved
7/27/2023
First disbursed
8/21/2023
Loan status
Payments deferred
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
75
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
1Shotusa, LLC in North Platte, NE — $120K (2023) · NebraskaLand Bank
Program
7a General
Rate at approval
9% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$102K (85%)
Approval → funding
15 days
Approved
4/27/2023
First disbursed
5/12/2023
Loan status
Paid in full (10/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Mobile Food Services
Funded by NebraskaLand Bank
Your business? Claim this record · Request removal
ADVENTURE DREAMING LLC in Santa Rosa, CA — $40K (2023) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.99% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$20K (50%)
Approved
8/11/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Kona Ice of Gulf Breeze, Inc in Pensacola, FL — $245K (2022) · Community Bank of Mississippi
Program
Preferred Lenders Program
Rate at approval
4.5% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$184K (75%)
Approval → funding
30 days
Approved
5/4/2022
First disbursed
6/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Ice Manufacturing
Funded by Community Bank of Mississippi · Lender record →
Your business? Claim this record · Request removal
Shenandoah Mimmy, LLC in Verona, VA — $156K (2022) · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$117K (75%)
Approval → funding
10 days
Approved
4/18/2022
First disbursed
4/28/2022
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Ice Cream and Frozen Dessert Manufacturing
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
AMERICAN GRAVITY LLC in Fairland, IN — $150K (2022) · Everwise Credit Union
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$113K (75%)
Approval → funding
13 days
Approved
5/3/2022
First disbursed
5/16/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Everwise Credit Union · Lender record →
Your business? Claim this record · Request removal
Sterken Family LLC in Oconomowoc, WI — $80K (2022) · Bank Five Nine
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
122 months
SBA guaranteed
$68K (85%)
Approved
2/9/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Mobile Food Services
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
Brikki Enterprises LLC in Farmington Hills, MI — $16K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$13K (85%)
Approved
11/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Mobile Food Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Foodie Fridays LLC in Valencia, CA — $574K (2021) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$516K (90%)
Approval → funding
4 days
Approved
8/27/2021
First disbursed
8/31/2021
Loan status
Current
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
Mobile Food Services
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal

Buying a Kona Ice? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Kona Ice businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Kona Ice 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. Enterprise Bank & Trust funds the most. CapBench is not a lender.

$156K typical Kona Ice loan
20 lenders fund the brand
22 days typical to fund

Buyers researching a Kona Ice 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.

Next steps

Pre-qualify this deal Talk to a loan broker Kona Ice record

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/kona-ice
API:: https://www.capbench.com/api/public/lenders?franchise=kona-ice
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.