Food & Restaurants · lender intelligence
How to finance a Nautical Bowls
The SBA 7(a) lenders funding the most Nautical Bowls deals, ranked from public loan records — typical Nautical Bowls loan about $305K, 3.33% failure rate across 79 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Nautical Bowls
$305K
Typical loan
range $50K–$349K
$339K
Est. purchase price
≈ loan ÷ 90%
$45,327
Cash to close
$33,889 down + fees
$4,201/mo
Typical payment
~11% · 10yr
$57,974/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
96.7%
Still performing
3.3% default · FY20–23
15 days
Typical time to fund
27
Lenders competing
more = leverage
9.38%
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 Nautical Bowls
Ranked by funded Nautical Bowls loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.11 loans · $8M · Redwood Falls, MNFull record →
- 3.5 loans · $3M · Cold Spring, MNFull record →
- 4.318 loans · $229M · Osage Beach, MOFull record →
- 5.16 loans · $9M · Effingham, ILFull record →
- 6.23 loans · $18M · Saint Paul, MNFull record →
- 7.32 loans · $32M · Fargo, NDFull record →
- 8.4 loans · $2M · Saint Paul, MNFull record →
- 9.1 loans · $1M · Lincoln, NEFull record →
- 10.31 loans · $39M · Conshohocken, PAFull record →
- 11.128 loans · $40M · Wilmington, DEFull record →
- 12.2 loans · $0M · Grapevine, TXFull record →
- 13.7 loans · $7M · Saint Louis Park, MNFull record →
- 14.15 loans · $15M · Houston, MOFull record →
- 15.1 loans · $0M · Columbia, SCFull record →
- 16.34 loans · $19M · Arden Hills, MNFull record →
- 17.2 loans · $0M · Hutchinson, MNFull record →
- 18.20 loans · $8M · Saint Petersburg, FLFull record →
- 19.46 loans · $27M · Sartell, MNFull record →
- 20.242 loans · $281M · Chicago, ILFull record →
- 21.5 loans · $4M · Houston, TXFull record →
- 22.2 loans · $1M · Minot, NDFull record →
- 23.4 loans · $2M · Bloomington, MNFull record →
- 24.116 loans · $120M · Evansville, INFull record →
79+ funded Nautical Bowls 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.
- The Pokorney Company LLC in Farmington, MN — $835K (2026) · Bell Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $626K (75%)
- Approved
- 3/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 65
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Bell Bank · Lender record →
Your business? Claim this record · Request removal
- Loe Nautical LLC in Sioux Falls, SD — $554K (2026) · Sunrise Banks National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $416K (75%)
- Approval → funding
- 22 days
- Approved
- 11/13/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Sunrise Banks National Association · Lender record →
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- Highland Investing Co. LLC in Keller, TX — $303K (2026) · purchase · Bank of the West
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 18 days
- Approved
- 11/17/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $337K
- Est. down payment (10%)
- $34K
- Est. cash at closing
- $45K
- Monthly payment
- $3,838
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $58K
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 Bank of the West · Lender record →
Your business? Claim this record · Request removal
- The Pokorney Company, LLC in Farmington, MN — $250K (2026) · Bell Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approved
- 3/16/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 65
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Bell Bank · Lender record →
Your business? Claim this record · Request removal
- Loe Nautical LLC in Sioux Falls, SD — $50K (2026) · Sunrise Banks National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 49 days
- Approved
- 11/13/2025
- First disbursed
- 1/1/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Sunrise Banks National Association · Lender record →
Your business? Claim this record · Request removal
- Blaine Acai LLC in Blaine, MN — $303K (2025) · Drake Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 30 days
- Approved
- 6/7/2025
- First disbursed
- 7/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Drake Bank · Lender record →
Your business? Claim this record · Request removal
- Savage Bowls L.L.C. in Savage, MN — $294K (2025) · Drake Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $221K (75%)
- Approval → funding
- 30 days
- Approved
- 6/7/2025
- First disbursed
- 7/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Drake Bank · Lender record →
Your business? Claim this record · Request removal
- Plymouth Acai LLC in Minneapolis, MN — $60K (2025) · Minnwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $51K (85%)
- Approval → funding
- 36 days
- Approved
- 10/22/2024
- First disbursed
- 11/27/2024
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Minnwest Bank · Lender record →
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- Bagaasen Durham Bowls LLC in Durham, NC — $490K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 129 months
- SBA guaranteed
- $368K (75%)
- Approval → funding
- 3 days
- Approved
- 2/20/2024
- First disbursed
- 2/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- G & J Missoula Investments Inc. in Missoula, MT — $460K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $345K (75%)
- Approval → funding
- 11 days
- Approved
- 1/18/2024
- First disbursed
- 1/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- CMSFRANKFORT LLC in Frankfort, IL — $375K (2024) · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.41% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $281K (75%)
- Approval → funding
- 66 days
- Approved
- 8/5/2024
- First disbursed
- 10/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- CAIlan Enterprises, Inc. in West Hartford, CT — $350K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $262K (75%)
- Approval → funding
- 5 days
- Approved
- 1/19/2024
- First disbursed
- 1/24/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- RAJTILAK LLC in Seattle, WA — $342K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $256K (75%)
- Approval → funding
- 42 days
- Approved
- 4/22/2024
- First disbursed
- 6/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Nautical Bowls Blaine in Blaine, MN — $250K (2024) · Frandsen Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 1 days
- Approved
- 2/29/2024
- First disbursed
- 3/1/2024
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Frandsen Bank and Trust · Lender record →
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- BLUE BAY LLC in Bloomington, MN — $250K (2024) · BankVista
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 113 days
- Approved
- 11/16/2023
- First disbursed
- 3/8/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal
- KAJA LLC in Hutchinson, MN — $150K (2024) · Citizens Bank & Trust Co
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 50 days
- Approved
- 3/12/2024
- First disbursed
- 5/1/2024
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank & Trust Co · Lender record →
Your business? Claim this record · Request removal
- Bagaasen Durham Bowls LLC in Durham, NC — $40K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 2/20/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- CAIlan Enterprises, Inc. in West Hartford, CT — $25K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 355 days
- Approved
- 1/19/2024
- First disbursed
- 1/8/2025
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- RAJTILAK LLC in Seattle, WA — $25K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 4/22/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Manire, Inc in Huntsville, AL — $490K (2023) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $367K (75%)
- Approval → funding
- 12 days
- Approved
- 9/23/2023
- First disbursed
- 10/5/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Nautical Bowls? 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 Nautical Bowls businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Nautical Bowls 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $305K typical Nautical Bowls loan
- 3.33% failure rate (FY20–23)
- 27 lenders fund the brand
- 15 days typical to fund
Buyers researching a Nautical Bowls 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 2026-06-22.
- 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.