Financing a bed-and-breakfast inns acquisition in Florida

State:

Arkansas (1)California (2)Colorado (1)Georgia (4)Illinois (1)Indiana (1)Kentucky (1)Minnesota (1)New Jersey (2)New York (3)North Carolina (4)Pennsylvania (5)

The SBA 7(a) lenders funding the most bed-and-breakfast inns acquisitions in Florida, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance bed-and-breakfast inns in Florida

$1.39M

Typical loan

range $1.21M–$1.74M

$1.54M

Est. purchase price

≈ loan ÷ 90%

$211,333

Cash to close

$154,044 down + fees

$17,940/mo

Typical payment

~9.5% · 10yr

$247,572/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

7.79%

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 in bed-and-breakfast inns · Florida

Ranked by funded bed-and-breakfast inns acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.102 loans · $119M · Saint Petersburg, FLFull record →

7+ funded Bed-and-Breakfast Inns 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.

South Corner USA LLC in Saint Augustine, FL — $1.7M (2026) · purchase · Climate First Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approved
2/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
4
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$193K
Est. cash at closing
$265K
Monthly payment
$15,461
Annual debt service
$186K
Cash flow needed (1.25×)
$232K
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 Climate First Bank · Lender record →
Your business? Claim this record · Request removal
Sunny Day Stay Inc in Saint Petersburg, FL — $2.5M (2024) · purchase · Midwest Regional Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
26 days
Approved
8/28/2024
First disbursed
9/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$279K
Est. cash at closing
$385K
Monthly payment
$25,056
Annual debt service
$301K
Cash flow needed (1.25×)
$376K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Lucerne Partners LLC in Lake Worth Beach, FL — $1.2M (2024) · purchase · Paradise Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
304 months
SBA guaranteed
$866K (75%)
Approval → funding
26 days
Approved
12/9/2023
First disbursed
1/4/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$128K
Est. cash at closing
$176K
Monthly payment
$10,670
Annual debt service
$128K
Cash flow needed (1.25×)
$160K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
Town Manor Investment, LLC in Auburndale, FL — $1.5M (2021) · purchase · Bank of Central Florida
Program
7a General
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
15 days
Approved
9/22/2021
First disbursed
10/7/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$162K
Est. cash at closing
$222K
Monthly payment
$8,104
Annual debt service
$97K
Cash flow needed (1.25×)
$122K
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 Bank of Central Florida
Your business? Claim this record · Request removal
HERLONG MANSION BED & BREAKFAST in Micanopy, FL — $1.4M (2021) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (90%)
Approval → funding
12 days
Approved
8/4/2021
First disbursed
8/16/2021
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$154K
Est. cash at closing
$211K
Monthly payment
$8,514
Annual debt service
$102K
Cash flow needed (1.25×)
$128K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Herlong Mansion, LLC in Micanopy, FL — $1.3M (2021) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$998K (75%)
Approved
12/17/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$148K
Est. cash at closing
$203K
Monthly payment
$8,375
Annual debt service
$100K
Cash flow needed (1.25×)
$126K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
BAIJANTI & BROTHERS ESTATES INC in Saint Augustine, FL — $1.2M (2020) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$908K (75%)
Approval → funding
16 days
Approved
11/14/2019
First disbursed
11/30/2019
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Bed-and-Breakfast Inns
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$134K
Est. cash at closing
$184K
Monthly payment
$8,942
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
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 Stone Bank · Lender record →
Your business? Claim this record · Request removal

Financing a bed-and-breakfast inns deal in Florida? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to bed-and-breakfast inns businesses with a Florida project address.

Agent summary

How to finance a bed-and-breakfast inns acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. Climate First Bank funds the most here. CapBench is not a lender.

$1.2M typical loan
6 lenders active in Florida
7+ funded Florida deals
16 days typical to fund

Buyers buying a bed-and-breakfast inns in Florida typically pre-qualify, then ask CapBench to introduce a lender active 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 bed-and-breakfast inns lenders

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.
Canonical:: https://www.capbench.com/lenders/industry/bed-and-breakfast-inns/florida
API:: https://www.capbench.com/api/public/lenders?industry=bed-and-breakfast-inns&state=FL
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.