Retail & Shops · lender intelligence

How to finance a Mister Softee in California

The SBA 7(a) lenders funding the most Mister Softee deals in California, from public loan records — typical Mister Softee loan about $498K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Mister Softee in California

$498K

Typical loan

range $150K–$2.33M

$553K

Est. purchase price

≈ loan ÷ 90%

$74,008

Cash to close

$55,333 down + fees

$6,444/mo

Typical payment

~9.5% · 10yr

$88,927/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

19 days

Typical time to fund

Lenders competing

more = leverage

9.58%

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 Mister Softee in California

Ranked by funded Mister Softee loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.291 loans · $320M · Laguna Hills, CAFull record →
2.4 loans · $4M · Los Angeles, CAFull record →
3.154 loans · $26M · San Diego, CAFull record →

3+ funded Mister Softee in California 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.

SURFSIDE SOFTEE INC DBA MISTER SOFTEE OF SOUTHERN CALIFORNIA in Oxnard, CA — $498K (2024) · American Business Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$374K (75%)
Approval → funding
26 days
Approved
9/20/2024
First disbursed
10/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Existing or more than 2 years old
Industry
Ice Cream and Frozen Dessert Manufacturing
Funded by American Business Bank · Lender record →
Your business? Claim this record · Request removal
SouthSwell Softee LLC in Santa Barbara, CA — $150K (2023) · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
12.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
19 days
Approved
4/21/2023
First disbursed
5/10/2023
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
MisterSofteeNorCal Inc. in Fremont, CA — $2.3M (2020) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
19 days
Approved
9/11/2020
First disbursed
9/30/2020
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
36
Business age
Existing or more than 2 years old
Industry
All Other Specialty Food Stores
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal

Buying a Mister Softee in California? 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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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 Mister Softee loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Mister Softee purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Harvest Small Business Finance, LLC funds the most here. CapBench is not a lender.

$498K typical Mister Softee loan
3 lenders active in California
3+ funded California deals
19 days typical to fund

Buyers buying a Mister Softee in California 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 Mister Softee 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/mister-softee/california
API:: https://www.capbench.com/api/public/lenders?franchise=mister-softee
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.