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Food & Restaurants · lender intelligence

How to finance a Smoothie King

The SBA 7(a) lenders funding the most Smoothie King deals, ranked from public loan records — typical Smoothie King loan about $400K, 1.47% failure rate across 183 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

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

$400K

Typical loan

range $276K–$542K

$444K

Est. purchase price

≈ loan ÷ 90%

$59,444

Cash to close

$44,444 down + fees

$5,176/mo

Typical payment

~9.5% · 10yr

$71,429/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

98.5%

Still performing

1.5% default · FY20–23

24 days

Typical time to fund

64

Lenders competing

more = leverage

7.39%

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 Smoothie King

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

  1. 1.149 loans · $135M · Mukwonago, WIFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.66 loans · $68M · Milford, IAFull record →
  4. 4.75 loans · $98M · Sioux Falls, SDFull record →
  5. 5.318 loans · $229M · Osage Beach, MOFull record →
  6. 6.1,296 loans · $1.4B · Wilmington, NCFull record →
  7. 7.328 loans · $134M · Cleveland, OHFull record →
  8. 8.31 loans · $24M · Malvern, PAFull record →
  9. 9.105 loans · $72M · Wilmington, DEFull record →
  10. 10.40 loans · $42M · Englewood Cliffs, NJFull record →
  11. 11.46 loans · $85M · Salt Lake City, UTFull record →
  12. 12.6 loans · $4M · Defiance, OHFull record →
  13. 13.26 loans · $31M · Baton Rouge, LAFull record →
  14. 14.4 loans · $1M · Belleville, ILFull record →
  15. 15.1 loans · $0M · Saint John, INFull record →
  16. 16.4 loans · $1M · Fulton, MOFull record →
  17. 17.104 loans · $100M · Portsmouth, VAFull record →
  18. 18.23 loans · $30M · Stuart, FLFull record →
  19. 19.1 loans · $1M · Lincoln, NEFull record →
  20. 20.8 loans · $3M · Terrell, TXFull record →
  21. 21.62 loans · $34M · Winter Haven, FLFull record →
  22. 22.1,927 loans · $207M · Buffalo, NYFull record →
  23. 23.4 loans · $5M · Atlanta, GAFull record →
  24. 24.15 loans · $4M · Waverly, NEFull record →
  25. 25.12 loans · $5M · Durham, NCFull record →

183+ funded Smoothie King 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.

  • Crowned Kingz LLC in West Memphis, AR — $1.6M (2026) · Milestone Bank
  • SK2099, LLC in Bullard, TX — $640K (2026) · Readycap Lending, LLC
  • ADW Professional Holding LLC in Augusta, GA — $613K (2026) · Citizens Bank
  • Smoothie King 211 Loop in San Antonio, TX — $594K (2026) · First Bank of the Lake
  • Next Blend Group, LLC in Venice, FL — $408K (2026) · Citizens Bank
  • Smoothie King in San Antonio, TX — $350K (2026) · United Community Bank
  • Smooth Endeavors LLC in Tyler, TX — $350K (2026) · The Huntington National Bank
  • DG Legacy LLC in Ft Mitchell, KY — $350K (2026) · Republic Bank & Trust Company
  • Smoothie Queens VA, LLC in Stafford, VA — $149K (2026) · Potomac Bank
  • Smooth Endeavors LLC in Tyler, TX — $50K (2026) · The Huntington National Bank
  • Dual Warriors, LLC in Huntsville, AL — $1.1M (2025) · purchase · Citizens Bank
  • Invictus Gladiator, LLC in San Antonio, TX — $795K (2025) · purchase · United Community Bank
  • Smoothie King 2460 in Hagerstown, MD — $768K (2025) · VelocitySBA, LLC
  • Smoothie Dayz LLC in Springdale, OH — $653K (2025) · Citizens Bank
  • Franco & Martinez Innovations LLC in Prosper, TX — $640K (2025) · ConnectOne Bank
  • Smoothie Mamas 2340 LLC in Round Rock, TX — $630K (2025) · TD Bank, National Association
  • TAY-JO GROUP INC. in Delray Beach, FL — $606K (2025) · Citizens Bank
  • Smoothie King in Decatur, GA — $594K (2025) · First Bank of the Lake
  • Millennium Limited in Decatur, GA — $587K (2025) · First Bank of the Lake
  • Smoothie King in Lafayette, CO — $575K (2025) · United Community Bank

Buying a Smoothie King? 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.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Smoothie King businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Smoothie King 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.

  • $400K typical Smoothie King loan
  • 1.47% failure rate (FY20–23)
  • 64 lenders fund the brand
  • 24 days typical to fund

Buyers researching a Smoothie King 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 dealTalk to a loan brokerSmoothie King 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/smoothie-king
API:
https://www.capbench.com/api/public/lenders?franchise=smoothie-king
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.
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