Food & Restaurants · lender intelligence
How to finance a Tropical Smoothie Cafe
The SBA 7(a) lenders funding the most Tropical Smoothie Cafe deals, ranked from public loan records — typical Tropical Smoothie Cafe loan about $425K, 0% failure rate across 266 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Tropical Smoothie Cafe
$425K
Typical loan
range $348K–$560K
$472K
Est. purchase price
≈ loan ÷ 90%
$63,160
Cash to close
$47,222 down + fees
$5,499/mo
Typical payment
~9.5% · 10yr
$75,886/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
21 days
Typical time to fund
85
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 Tropical Smoothie Cafe
Ranked by funded Tropical Smoothie Cafe loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.62 loans · $34M · Winter Haven, FLFull record →
- 6.75 loans · $98M · Sioux Falls, SDFull record →
- 7.24 loans · $17M · Wayne, PAFull record →
- 8.40 loans · $42M · Englewood Cliffs, NJFull record →
- 9.4 loans · $2M · Abbeville, LAFull record →
- 10.1,927 loans · $207M · Buffalo, NYFull record →
- 11.1 loans · $1M · Alma, GAFull record →
- 12.328 loans · $134M · Cleveland, OHFull record →
- 13.72 loans · $22M · Rockland, MAFull record →
- 14.57 loans · $74M · Winston-Salem, NCFull record →
- 15.105 loans · $72M · Wilmington, DEFull record →
- 16.19 loans · $5M · Roseville, CAFull record →
- 17.1,322 loans · $185M · Wilmington, DEFull record →
- 18.104 loans · $100M · Portsmouth, VAFull record →
- 19.16 loans · $21M · Las Vegas, NVFull record →
- 20.1 loans · $1M · Cuba, MOFull record →
- 21.17 loans · $29M · Tappahannock, VAFull record →
- 22.31 loans · $44M · Passaic, NJFull record →
- 23.9 loans · $13M · Atlanta, GAFull record →
- 24.33 loans · $15M · Minneapolis, MNFull record →
- 25.242 loans · $281M · Chicago, ILFull record →
266+ funded Tropical Smoothie Cafe 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.
- GREENFORK BOWIE LLC in Bowie, MD — $1.2M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $917K (75%)
- Approval → funding
- 63 days
- Approved
- 11/19/2025
- First disbursed
- 1/21/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $136K
- Est. cash at closing
- $186K
- Monthly payment
- $14,826
- Annual debt service
- $178K
- Cash flow needed (1.25×)
- $222K
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 →
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- RAM74 LLC in Conyers, GA — $850K (2026) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $638K (75%)
- Approval → funding
- 55 days
- Approved
- 12/9/2025
- First disbursed
- 2/2/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $944K
- Est. down payment (10%)
- $94K
- Est. cash at closing
- $130K
- Monthly payment
- $10,999
- Annual debt service
- $132K
- Cash flow needed (1.25×)
- $165K
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 Byline Bank · Lender record →
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- Garn NY015, Inc. in Patchogue, NY — $794K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.3% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $596K (75%)
- Approval → funding
- 36 days
- Approved
- 12/15/2025
- First disbursed
- 1/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $882K
- Est. down payment (10%)
- $88K
- Est. cash at closing
- $121K
- Monthly payment
- $9,760
- Annual debt service
- $117K
- Cash flow needed (1.25×)
- $146K
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
- TROPICAL SMOOTHIE CAFE in Broussard, LA — $708K (2026) · Gulf Coast Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 126 months
- SBA guaranteed
- $531K (75%)
- Approval → funding
- 59 days
- Approved
- 12/16/2025
- First disbursed
- 2/13/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank · Lender record →
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- CR Cafes, L.L.C. in Youngsville, LA — $637K (2026) · Gulf Coast Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 126 months
- SBA guaranteed
- $478K (75%)
- Approval → funding
- 32 days
- Approved
- 12/15/2025
- First disbursed
- 1/16/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank · Lender record →
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- Hari Krishna Cafe 1 LLC in Souderton, PA — $630K (2026) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $473K (75%)
- Approval → funding
- 22 days
- Approved
- 11/19/2025
- First disbursed
- 12/11/2025
- 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 Wilmington Savings Fund Society FSB · Lender record →
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- SMOOTHIEMAP2 LLC in Marana, AZ — $620K (2026) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $465K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- 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 Wilmington Savings Fund Society FSB · Lender record →
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- Tropical Smoothie Cafe in Charleston, SC — $611K (2026) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 124 months
- SBA guaranteed
- $458K (75%)
- Approval → funding
- 42 days
- Approved
- 1/8/2026
- First disbursed
- 2/19/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- RHC ENTERPRISES LLC in Titusville, FL — $553K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $415K (75%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- 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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- TROPIC WRX OH-121, LLC in Tiffin, OH — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 19 days
- Approved
- 12/11/2025
- First disbursed
- 12/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- SHIV GANGA SIX INC. in Peoria, IL — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 10 days
- Approved
- 2/10/2026
- First disbursed
- 2/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- PRAPTI ENTERPRISE LLC in Mount Airy, NC — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 3/3/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Tropical Smoothie Cafe MD-102 in Haymarket, MD — $468K (2026) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $351K (75%)
- Approval → funding
- 18 days
- Approved
- 1/9/2026
- First disbursed
- 1/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- NILKANTH 13 LLC in Atlanta, GA — $420K (2026) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 126 months
- SBA guaranteed
- $315K (75%)
- Approval → funding
- 21 days
- Approved
- 1/16/2026
- First disbursed
- 2/6/2026
- 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 Wallis Bank · Lender record →
Your business? Claim this record · Request removal
- Cabo Fresh LLC. in Taunton, MA — $400K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $200K (50%)
- Approved
- 2/4/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Cabo Fresh Inc. in Taunton, MA — $400K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $200K (50%)
- Approved
- 2/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CR Cafes, L.L.C. in Gonzales, LA — $391K (2026) · Gulf Coast Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 126 months
- SBA guaranteed
- $293K (75%)
- Approval → funding
- 32 days
- Approved
- 12/15/2025
- First disbursed
- 1/16/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank · Lender record →
Your business? Claim this record · Request removal
- Murti HJS Corp in Lewisburg, PA — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 9 days
- Approved
- 2/8/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Radhe Morari LLC in Brighton, MA — $310K (2026) · Rockland Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $233K (75%)
- Approved
- 2/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
- RHC ENTERPRISES LLC in Titusville, FL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- 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
Buying a Tropical Smoothie Cafe? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Tropical Smoothie Cafe businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Tropical Smoothie Cafe 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $425K typical Tropical Smoothie Cafe loan
- 0% failure rate (FY20–23)
- 85 lenders fund the brand
- 21 days typical to fund
Buyers researching a Tropical Smoothie Cafe 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.
- 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.