Food & Restaurants · lender intelligence
How to finance a Smoothie King in Georgia
The SBA 7(a) lenders funding the most Smoothie King deals in Georgia, 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 Georgia
$500K
Typical loan
range $369K–$594K
$556K
Est. purchase price
≈ loan ÷ 90%
$74,306
Cash to close
$55,556 down + fees
$6,470/mo
Typical payment
~9.5% · 10yr
$89,286/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
36 days
Typical time to fund
13
Lenders competing
more = leverage
8.22%
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 Georgia
Ranked by funded Smoothie King loans in Georgia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.318 loans · $229M · Osage Beach, MOFull record →
- 4.4 loans · $2M · Milton, WIFull record →
- 5.1,296 loans · $1.4B · Wilmington, NCFull record →
- 6.75 loans · $98M · Sioux Falls, SDFull record →
- 7.8 loans · $17M · Hilton Head Island, SCFull record →
- 8.10 loans · $10M · Blackshear, GAFull record →
- 9.3 loans · $7M · Jasper, GAFull record →
- 10.62 loans · $34M · Winter Haven, FLFull record →
- 11.2,539 loans · $965M · Columbus, OHFull record →
- 12.36 loans · $46M · Los Angeles, CAFull record →
19+ funded Smoothie King in Georgia 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.
- ADW Professional Holding LLC in Augusta, GA — $613K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 124 months
- SBA guaranteed
- $460K (75%)
- Approved
- 12/12/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- 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 Decatur, GA — $594K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $446K (75%)
- Approval → funding
- 44 days
- Approved
- 3/10/2025
- First disbursed
- 4/23/2025
- 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 First Bank of the Lake · Lender record →
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- Millennium Limited in Decatur, GA — $587K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $440K (75%)
- Approved
- 11/22/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- 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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- LSI Group, LLC in Decatur, GA — $430K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $323K (75%)
- Approval → funding
- 45 days
- Approved
- 3/14/2025
- First disbursed
- 4/28/2025
- 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
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Simply Smoothies, LLC in Saint Simons Island, GA — $537K (2024) · Primesouth Bank
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $403K (75%)
- Approval → funding
- 3 days
- Approved
- 10/27/2023
- First disbursed
- 10/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Primesouth Bank · Lender record →
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- Duapa, LLC in Villa Rica, GA — $500K (2024) · Community Bank of Pickens County
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 101 days
- Approved
- 12/19/2023
- First disbursed
- 3/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Bank of Pickens County · Lender record →
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- WE MAKE THE SMOOTHIES LLC in Evans, GA — $450K (2024) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 20 days
- Approved
- 4/5/2024
- First disbursed
- 4/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
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- ADW Professional Services LLC in Augusta, GA — $520K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 124 months
- SBA guaranteed
- $390K (75%)
- Approval → funding
- 279 days
- Approved
- 3/14/2023
- First disbursed
- 12/18/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- BZT COMPANY LLC in Sugar Hill, GA — $369K (2023) · First Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $277K (75%)
- Approval → funding
- 0 days
- Approved
- 5/17/2023
- First disbursed
- 5/17/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 29
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by First Community Bank · Lender record →
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- Gleaton Smoothie LLC in Atlanta, GA — $621K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 124 months
- SBA guaranteed
- $466K (75%)
- Approval → funding
- 41 days
- Approved
- 5/17/2022
- First disbursed
- 6/27/2022
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- 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 #2081 in Savannah, GA — $452K (2022) · Coastal States Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 123 months
- SBA guaranteed
- $339K (75%)
- Approval → funding
- 6 days
- Approved
- 7/27/2022
- First disbursed
- 8/2/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Not 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 Coastal States Bank · Lender record →
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- DJT Company, LLC in Bethlehem, GA — $250K (2022) · purchase · First Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 56 days
- Approved
- 4/15/2022
- First disbursed
- 6/10/2022
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Retailers
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $2,807
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $42K
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 First Community Bank · Lender record →
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- PE Realty LLC in Mcdonough, GA — $880K (2021) · Banc of California
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 306 months
- SBA guaranteed
- $792K (90%)
- Approval → funding
- 2 days
- Approved
- 7/29/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Stores
Funded by Banc of California · Lender record →
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- Vancole Investments, Inc. in Atlanta, GA — $714K (2021) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $643K (90%)
- Approval → funding
- 3 days
- Approved
- 4/27/2021
- First disbursed
- 4/30/2021
- 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
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Small Business Finance, Inc.
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- S&L Enterprise Group, LLC in Atlanta, GA — $333K (2021) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (75%)
- Approval → funding
- 11 days
- Approved
- 10/5/2020
- First disbursed
- 10/16/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Bancorp Bank National Association · Lender record →
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- Henshaw Smoothies, LLC in Saint Simons Island, GA — $540K (2020) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $405K (75%)
- Approval → funding
- 36 days
- Approved
- 1/29/2020
- First disbursed
- 3/5/2020
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $600K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $6,266
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- PERFECT BLEND OF WARNER ROBINS LLC in Warner Robins, GA — $375K (2020) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 126 months
- SBA guaranteed
- $281K (75%)
- Approval → funding
- 36 days
- Approved
- 3/10/2020
- First disbursed
- 4/15/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Unanswered
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
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- Smoothies for Health LLC in Mableton, GA — $273K (2020) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $205K (75%)
- Approval → funding
- 152 days
- Approved
- 9/30/2020
- First disbursed
- 3/1/2021
- Loan status
- Current
- 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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Vilasap, LLC in Alpharetta, GA — $271K (2020) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 124 months
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 12 days
- Approved
- 1/16/2020
- First disbursed
- 1/28/2020
- Loan status
- Paid in full (9/30/2023)
- 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
- Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Smoothie King in Georgia? 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 Georgia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Smoothie King purchase in Georgia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Georgia deals. Citizens Bank funds the most here. CapBench is not a lender.
- $400K typical Smoothie King loan
- 13 lenders active in Georgia
- 19+ funded Georgia deals
- 36 days typical to fund
Buyers buying a Smoothie King in Georgia 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 2026-06-24.
- 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.