Food & Restaurants · lender intelligence

How to finance a Planet Smoothie

State:

The SBA 7(a) lenders funding the most Planet Smoothie deals, ranked from public loan records — typical Planet Smoothie loan about $321K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Planet Smoothie

$321K

Typical loan

range $206K–$450K

$356K

Est. purchase price

≈ loan ÷ 90%

$47,630

Cash to close

$35,611 down + fees

$4,415/mo

Typical payment

~11% · 10yr

$60,927/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

7.91%

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 Planet Smoothie

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

1.149 loans · $135M · Mukwonago, WIFull record →
2.23 loans · $30M · Stuart, FLFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.13 loans · $2M · Milwaukee, WIFull record →
5.46 loans · $47M · Asheville, NCFull record →
6.1,927 loans · $207M · Buffalo, NYFull record →
7.103 loans · $64M · Indiana, PAFull record →
8.1 loans · $0M · Leeds, ALFull record →
9.1,322 loans · $185M · Wilmington, DEFull record →
10.3 loans · $5M · Bainbridge, GAFull record →
11.4 loans · $1M · Birmingham, ALFull record →
12.23 loans · $18M · Saint Paul, MNFull record →
13.66 loans · $68M · Milford, IAFull record →

24+ funded Planet Smoothie 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.

MJSJS LLC in San Antonio, TX — $443K (2026) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$332K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
XIMITHRAL ADVENTURES LLC in Ocoee, FL — $500K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
124 months
SBA guaranteed
$375K (75%)
Approval → funding
63 days
Approved
3/26/2025
First disbursed
5/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
CLOVER 716 INC in West Seneca, NY — $10K (2025) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$5K (50%)
Approval → funding
34 days
Approved
8/27/2025
First disbursed
9/30/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Planet Smoothie in Newnan, GA — $842K (2024) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$632K (75%)
Approval → funding
29 days
Approved
7/9/2024
First disbursed
8/7/2024
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$936K
Est. down payment (10%)
$94K
Est. cash at closing
$128K
Monthly payment
$11,362
Annual debt service
$136K
Cash flow needed (1.25×)
$170K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Apostrophe S Ventures LLC in Reno, NV — $534K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
132 mo (11 yrs)
SBA guaranteed
$401K (75%)
Approval → funding
9 days
Approved
6/3/2024
First disbursed
6/12/2024
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
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
Apostrophe S Ventures LLC in Reno, NV — $30K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
113 days
Approved
6/3/2024
First disbursed
9/24/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
9
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
Live Well Treats, LLC in Orlando, FL — $473K (2023) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
124 months
SBA guaranteed
$355K (75%)
Approval → funding
78 days
Approved
3/16/2023
First disbursed
6/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Gallarzo3 LLC in Minneapolis, MN — $700K (2022) · Sunrise Banks National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
12 days
Approved
9/23/2022
First disbursed
10/5/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Sunrise Banks National Association · Lender record →
Your business? Claim this record · Request removal
Planet Smoothie in Sanford, FL — $450K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
126 months
SBA guaranteed
$338K (75%)
Approved
8/9/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
JMD Franchises Corp. in Austin, TX — $403K (2022) · Citizens Bank
Program
7a General
Rate at approval
7.5% variable
Term
124 months
SBA guaranteed
$302K (75%)
Approval → funding
50 days
Approved
7/20/2022
First disbursed
9/8/2022
Loan status
Current
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
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
J & K Smoothie, LLC in Monroe, GA — $340K (2022) · United Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$255K (75%)
Approval → funding
14 days
Approved
1/10/2022
First disbursed
1/24/2022
Loan status
Current
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
Snack and Nonalcoholic Beverage Bars
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
JCPS LLC in Birmingham, AL — $297K (2022) · SouthPoint Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$223K (75%)
Approval → funding
7 days
Approved
4/28/2022
First disbursed
5/5/2022
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
4
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by SouthPoint Bank · Lender record →
Your business? Claim this record · Request removal
TSCFWOOD in Batesville, AR — $250K (2022) · The Citizens Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
6 days
Approved
7/28/2022
First disbursed
8/3/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Citizens Bank
Your business? Claim this record · Request removal
KINCAID BRANDS LLC in Jacksonville, FL — $332K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
81 months
SBA guaranteed
$298K (90%)
Approval → funding
2 days
Approved
7/29/2021
First disbursed
7/31/2021
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
11
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
LUCAS AGENCY INC. in Windermere, FL — $321K (2021) · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$288K (90%)
Approval → funding
4 days
Approved
6/21/2021
First disbursed
6/25/2021
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
3Ton Investments, LLC in Trussville, AL — $276K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (90%)
Approval → funding
20 days
Approved
8/11/2021
First disbursed
8/31/2021
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
7
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Luckeshe Holdings, LLC in Glendale, WI — $206K (2021) · Wisconsin Women's Business Initiative Corporation
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$154K (75%)
Approval → funding
51 days
Approved
1/5/2021
First disbursed
2/25/2021
Loan status
Paid in full (5/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Wisconsin Women's Business Initiative Corporation · Lender record →
Your business? Claim this record · Request removal
DHC Ventures, LLC in Jacksonville, FL — $187K (2021) · First Port City Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
124 months
SBA guaranteed
$140K (75%)
Approval → funding
105 days
Approved
11/19/2020
First disbursed
3/4/2021
Loan status
Paid in full (6/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Port City Bank · Lender record →
Your business? Claim this record · Request removal
TJMORGZ LLC in Altoona, IA — $172K (2021) · West Bank
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$155K (90%)
Approval → funding
10 days
Approved
3/1/2021
First disbursed
3/11/2021
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by West Bank
Your business? Claim this record · Request removal
GRFOODS ENTERPRISES LLC in Boynton Beach, FL — $333K (2020) · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
169 months
SBA guaranteed
$249K (75%)
Approval → funding
54 days
Approved
10/7/2019
First disbursed
11/30/2019
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Planet Smoothie? 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 Planet Smoothie businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Planet Smoothie 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. Citizens Bank funds the most. CapBench is not a lender.

$321K typical Planet Smoothie loan
16 lenders fund the brand
29 days typical to fund

Buyers researching a Planet Smoothie 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 Planet Smoothie 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/planet-smoothie
API:: https://www.capbench.com/api/public/lenders?franchise=planet-smoothie
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.