Automotive · lender intelligence

How to finance a LINE-X in Florida

State:

The SBA 7(a) lenders funding the most LINE-X deals in Florida, from public loan records — typical LINE-X loan about $510K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance LINE-X in Florida

$1.28M

Typical loan

range $905K–$1.50M

$1.42M

Est. purchase price

≈ loan ÷ 90%

$194,977

Cash to close

$142,189 down + fees

$16,559/mo

Typical payment

~9.5% · 10yr

$228,514/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

66 days

Typical time to fund

Lenders competing

more = leverage

8.75%

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 LINE-X in Florida

Ranked by funded LINE-X loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.62 loans · $34M · Winter Haven, FLFull record →
2.8 loans · $7M · Dickson, TNFull record →
3.32 loans · $37M · Champaign, ILFull record →

3+ funded LINE-X 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.

Line-X of East Jacksonville & Line-X of West Jacksonville in Yulee, FL — $905K (2025) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$679K (75%)
Approval → funding
66 days
Approved
11/26/2024
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Parts and Accessories Retailers
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
McK Customs, LLC in Gainesville, FL — $1.3M (2024) · First Federal Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
246 months
SBA guaranteed
$960K (75%)
Approval → funding
129 days
Approved
10/3/2023
First disbursed
2/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
All Other General Merchandise Retailers
Funded by First Federal Bank · Lender record →
Your business? Claim this record · Request removal
THIS CREATIVE LLC in Fort Myers, FL — $1.5M (2021) · Busey Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
18 days
Approved
8/9/2021
First disbursed
8/27/2021
Loan status
Paid in full (3/31/2025)
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
Other Business Service Centers (including Copy Shops)
Funded by Busey Bank · Lender record →
Your business? Claim this record · Request removal

Buying a LINE-X 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 LINE-X loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a LINE-X 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. SouthState Bank, National Association funds the most here. CapBench is not a lender.

$510K typical LINE-X loan
3 lenders active in Florida
3+ funded Florida deals
66 days typical to fund

Buyers buying a LINE-X 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 LINE-X lenders

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/line-x/florida
API:: https://www.capbench.com/api/public/lenders?franchise=line-x
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.