Food & Restaurants · lender intelligence
How to finance a Smoothie King in Florida
The SBA 7(a) lenders funding the most Smoothie King deals in Florida, from public loan records — typical Smoothie King loan about $400K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Smoothie King in Florida
$392K
Typical loan
range $275K–$540K
$435K
Est. purchase price
≈ loan ÷ 90%
$58,182
Cash to close
$43,500 down + fees
$5,066/mo
Typical payment
~9.5% · 10yr
$69,911/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
34 days
Typical time to fund
14
Lenders competing
more = leverage
7.08%
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 in Florida
Ranked by funded Smoothie King loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
- 2.12 loans · $5M · Durham, NCFull record →
- 3.66 loans · $68M · Milford, IAFull record →
- 4.2,539 loans · $965M · Columbus, OHFull record →
- 5.17 loans · $14M · Orlando, FLFull record →
- 6.1,296 loans · $1.4B · Wilmington, NCFull record →
- 7.75 loans · $98M · Sioux Falls, SDFull record →
- 8.318 loans · $229M · Osage Beach, MOFull record →
- 9.168 loans · $205M · Fishers, INFull record →
- 10.4 loans · $5M · Atlanta, GAFull record →
- 11.23 loans · $30M · Stuart, FLFull record →
- 12.105 loans · $164M · Brookline, MAFull record →
- 13.105 loans · $51M · Fitzgerald, GAFull record →
23+ funded Smoothie King in Florida 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.
- Next Blend Group, LLC in Venice, FL — $408K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 124 months
- SBA guaranteed
- $306K (75%)
- Approved
- 12/31/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- TAY-JO GROUP INC. in Delray Beach, FL — $606K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 119 months
- SBA guaranteed
- $455K (75%)
- Approval → funding
- 105 days
- Approved
- 8/8/2025
- First disbursed
- 11/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- Smoothie King in Davenport, FL — $540K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $405K (75%)
- Approval → funding
- 35 days
- Approved
- 9/5/2025
- First disbursed
- 10/10/2025
- Loan status
- Current
- 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 Bank of the Lake · Lender record →
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- LAKAYLEGACY LLC in Margate, FL — $433K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $324K (75%)
- Approval → funding
- 6 days
- Approved
- 2/21/2025
- First disbursed
- 2/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- 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
- Smoothie King Miramar in Miramar, FL — $210K (2025) · purchase · Mechanics and Farmers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 82 days
- Approved
- 9/25/2025
- First disbursed
- 12/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,834
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $43K
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 Mechanics and Farmers Bank · Lender record →
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- Smoothie King Pines in Pembroke Pines, FL — $210K (2025) · purchase · Mechanics and Farmers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 82 days
- Approved
- 9/25/2025
- First disbursed
- 12/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,834
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $43K
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 Mechanics and Farmers Bank · Lender record →
Your business? Claim this record · Request removal
- LAKAYLEGACY LLC in Margate, FL — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 292 days
- Approved
- 2/21/2025
- First disbursed
- 12/10/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- SHS OPERATIONS LLC in Tamarac, FL — $1.1M (2022) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $863K (75%)
- Approval → funding
- 39 days
- Approved
- 2/7/2022
- First disbursed
- 3/18/2022
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- New Business or 2 years or less
- Industry
- Administrative Management and General Management Consulting
Funded by Beacon Bank and Trust · Lender record →
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- Cool Nutrition Inc. in Temple Terrace, FL — $625K (2022) · purchase · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $469K (75%)
- Approval → funding
- 34 days
- Approved
- 6/17/2022
- First disbursed
- 7/21/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $694K
- Est. down payment (10%)
- $69K
- Est. cash at closing
- $93K
- Monthly payment
- $7,097
- Annual debt service
- $85K
- Cash flow needed (1.25×)
- $106K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal
- Hart Ventures Also, LLC in Navarre, FL — $517K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 124 months
- SBA guaranteed
- $388K (75%)
- Approval → funding
- 322 days
- Approved
- 10/28/2021
- First disbursed
- 9/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- 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
- FRUITEVO, INC. in Trinity, FL — $354K (2022) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $266K (75%)
- Approval → funding
- 15 days
- Approved
- 4/19/2022
- First disbursed
- 5/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
- Fruitful Ventures Inc in Miami, FL — $350K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 124 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 287 days
- Approved
- 7/25/2022
- First disbursed
- 5/8/2023
- Loan status
- Current
- 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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- HJK 855 Partners Inc in Miami, FL — $276K (2022) · purchase · Cogent Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $207K (75%)
- Approval → funding
- 24 days
- Approved
- 2/4/2022
- First disbursed
- 2/28/2022
- Loan status
- Paid in full (11/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $307K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $2,894
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $43K
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 Cogent Bank · Lender record →
Your business? Claim this record · Request removal
- HJK Partners Inc in Miami, FL — $204K (2022) · purchase · Cogent Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $153K (75%)
- Approval → funding
- 24 days
- Approved
- 2/4/2022
- First disbursed
- 2/28/2022
- Loan status
- Paid in full (11/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $227K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $30K
- Monthly payment
- $2,139
- Annual debt service
- $26K
- Cash flow needed (1.25×)
- $32K
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 Cogent Bank · Lender record →
Your business? Claim this record · Request removal
- SPECHT CAPITAL LLC in Ocala, FL — $1.2M (2021) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (90%)
- Approval → funding
- 26 days
- Approved
- 5/5/2021
- First disbursed
- 5/31/2021
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $132K
- Est. cash at closing
- $181K
- Monthly payment
- $12,569
- Annual debt service
- $151K
- Cash flow needed (1.25×)
- $189K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- RH Cooper City Smoothie LLC in Cooper City, FL — $745K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $671K (90%)
- Approval → funding
- 21 days
- Approved
- 2/9/2021
- First disbursed
- 3/2/2021
- Loan status
- Paid in full (2/28/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $828K
- Est. down payment (10%)
- $83K
- Est. cash at closing
- $114K
- Monthly payment
- $7,993
- Annual debt service
- $96K
- Cash flow needed (1.25×)
- $120K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- SHS RETAIL LLC in Davie, FL — $400K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 124 months
- SBA guaranteed
- $360K (90%)
- Approval → funding
- 9 days
- Approved
- 4/21/2021
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- 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
- Miami Health Concepts LLC in North Miami Beach, FL — $392K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 124 months
- SBA guaranteed
- $352K (90%)
- Approval → funding
- 4 days
- Approved
- 4/26/2021
- First disbursed
- 4/30/2021
- 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
- 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
- SK Miramar, LLC in Davie, FL — $275K (2021) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 122 months
- SBA guaranteed
- $248K (90%)
- Approved
- 7/29/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Manatee Smoothies, LLC in Lakewood Ranch, FL — $80K (2021) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $68K (85%)
- Approval → funding
- 30 days
- Approved
- 10/1/2020
- First disbursed
- 10/31/2020
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
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Buying a Smoothie King in Florida? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Smoothie King loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Smoothie King purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. Citizens Bank funds the most here. CapBench is not a lender.
- $400K typical Smoothie King loan
- 14 lenders active in Florida
- 23+ funded Florida deals
- 34 days typical to fund
Buyers buying a Smoothie King in Florida 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.
- 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.
- 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.