Food & Restaurants · lender intelligence
How to finance a Planet Smoothie
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
$4,460/mo
Typical payment
~11.25% · 10yr
$61,548/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
16
Lenders competing
more = leverage
7.91%
Avg rate on record
cap ~10.00%
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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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
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- 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
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-12.
- 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.