Food & Restaurants · lender intelligence
How to finance a The Human Bean in Florida
The SBA 7(a) lenders funding the most The Human Bean deals in Florida, from public loan records — typical The Human Bean loan about $707K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance The Human Bean in Florida
$1.21M
Typical loan
range $511K–$1.21M
$1.35M
Est. purchase price
≈ loan ÷ 90%
$184,510
Cash to close
$134,556 down + fees
$15,670/mo
Typical payment
~9.5% · 10yr
$216,246/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
35 days
Typical time to fund
2
Lenders competing
more = leverage
7.63%
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 The Human Bean in Florida
Ranked by funded The Human Bean loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.79 loans · $53M · Gulfport, MSFull record →
2+ funded The Human Bean 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.
- Grounded Investments LLC in Winter Springs, FL — $1.2M (2025) · Hancock Whitney Bank
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 210 months
- SBA guaranteed
- $908K (75%)
- Approval → funding
- 14 days
- Approved
- 8/14/2025
- First disbursed
- 8/28/2025
- 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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- VerShel Enterprises, LLC in Lake City, FL — $511K (2021) · Lafayette State Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 249 months
- SBA guaranteed
- $460K (90%)
- Approval → funding
- 35 days
- Approved
- 3/26/2021
- First disbursed
- 4/30/2021
- 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 Lafayette State Bank
Your business? Claim this record · Request removal
Buying a The Human Bean 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.
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 The Human Bean loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a The Human Bean 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. Hancock Whitney Bank funds the most here. CapBench is not a lender.
- $707K typical The Human Bean loan
- 2 lenders active in Florida
- 2+ funded Florida deals
- 35 days typical to fund
Buyers buying a The Human Bean 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.