Food & Restaurants · lender intelligence

How to finance a SoFresh in Florida

The SBA 7(a) lenders funding the most SoFresh deals in Florida, from public loan records — typical SoFresh loan about $580K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance SoFresh in Florida

$580K

Typical loan

range $439K–$648K

$644K

Est. purchase price

≈ loan ÷ 90%

$86,194

Cash to close

$64,444 down + fees

$7,505/mo

Typical payment

~9.5% · 10yr

$103,569/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

8.97%

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 SoFresh in Florida

Ranked by funded SoFresh loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.31 loans · $44M · Passaic, NJFull record →
2.11 loans · $19M · Fort Lauderdale, FLFull record →
3.47 loans · $39M · Greenville, PAFull record →
4.19 loans · $18M · Grand Rapids, MIFull record →

8+ funded SoFresh 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.

SF NOC LLC in Jacksonville, FL — $648K (2026) · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$486K (75%)
Approved
2/4/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
J&T FL, LLC in Winter Springs, FL — $365K (2026) · OptimumBank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
123 months
SBA guaranteed
$274K (75%)
Approved
1/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by OptimumBank · Lender record →
Your business? Claim this record · Request removal
SoFresh in Jacksonville, FL — $585K (2024) · OptimumBank
Program
7a General
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$439K (75%)
Approval → funding
166 days
Approved
7/31/2024
First disbursed
1/13/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by OptimumBank · Lender record →
Your business? Claim this record · Request removal
SF3DTTampa, LLC in Tampa, FL — $580K (2024) · purchase · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$435K (75%)
Approval → funding
11 days
Approved
8/2/2024
First disbursed
8/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$644K
Est. down payment (10%)
$64K
Est. cash at closing
$86K
Monthly payment
$7,826
Annual debt service
$94K
Cash flow needed (1.25×)
$117K
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 Valley National Bank · Lender record →
Your business? Claim this record · Request removal
Hamza SF LLC in Lakeland, FL — $782K (2023) · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$586K (75%)
Approval → funding
18 days
Approved
3/6/2023
First disbursed
3/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
LIVE TRUE ENTERPRISE, LLC in Lutz, FL — $439K (2023) · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$329K (75%)
Approval → funding
14 days
Approved
12/20/2022
First disbursed
1/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
SF2SOHO LLC in Tampa, FL — $466K (2021) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
83 months
SBA guaranteed
$420K (90%)
Approval → funding
17 days
Approved
9/13/2021
First disbursed
9/30/2021
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
15
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
NICLOG ENTERPRISES CORP in Palm Harbor, FL — $409K (2021) · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$368K (90%)
Approval → funding
5 days
Approved
6/24/2021
First disbursed
6/29/2021
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a SoFresh 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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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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded SoFresh loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a SoFresh 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. Valley National Bank funds the most here. CapBench is not a lender.

$580K typical SoFresh loan
4 lenders active in Florida
8+ funded Florida deals
17 days typical to fund

Buyers buying a SoFresh 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.

Next steps

Pre-qualify this deal Talk to a loan broker All SoFresh lenders

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/sofresh/florida
API:: https://www.capbench.com/api/public/lenders?franchise=sofresh
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.