Lender intelligence

Financing a caterers acquisition in Florida

State:

The SBA 7(a) lenders funding the most caterers 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 caterers in Florida

$600K

Typical loan

range $250K–$1.45M

$667K

Est. purchase price

≈ loan ÷ 90%

$89,167

Cash to close

$66,667 down + fees

$7,764/mo

Typical payment

~9.5% · 10yr

$107,143/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

9.05%

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 caterers · Florida

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

1.168 loans · $205M · Fishers, INFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →

7+ funded Caterers 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.

Amici's Catering in Oldsmar, FL — $1.9M (2025) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
14 days
Approved
12/5/2024
First disbursed
12/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$208K
Est. cash at closing
$286K
Monthly payment
$25,273
Annual debt service
$303K
Cash flow needed (1.25×)
$379K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Corporate Caterers in Temple Terrace, FL — $600K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
33 days
Approved
12/19/2024
First disbursed
1/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$7,797
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Amici's Catering in Oldsmar, FL — $250K (2025) · purchase · First Internet Bank of Indiana
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
10 days
Approved
12/9/2024
First disbursed
12/19/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,373
Annual debt service
$40K
Cash flow needed (1.25×)
$51K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Chipis Cafe LLC in Miami, FL — $993K (2024) · purchase · TowneBank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$744K (75%)
Approval → funding
22 days
Approved
4/3/2024
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
35
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$151K
Monthly payment
$13,254
Annual debt service
$159K
Cash flow needed (1.25×)
$199K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
MCAED Events Co in Sarasota, FL — $1.4M (2023) · purchase · DFCU Financial
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
14 days
Approved
11/23/2022
First disbursed
12/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$161K
Est. cash at closing
$221K
Monthly payment
$18,160
Annual debt service
$218K
Cash flow needed (1.25×)
$272K
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 DFCU Financial · Lender record →
Your business? Claim this record · Request removal
JCB FLORIDA LLC in Lake Park, FL — $588K (2020) · purchase · Axiom Bank, National Association
Program
7a General
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$441K (75%)
Approval → funding
23 days
Approved
2/6/2020
First disbursed
2/29/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$653K
Est. down payment (10%)
$65K
Est. cash at closing
$87K
Monthly payment
$6,752
Annual debt service
$81K
Cash flow needed (1.25×)
$101K
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 Axiom Bank, National Association
Your business? Claim this record · Request removal
Creative Culinary Specialties Inc in Tampa, FL — $140K (2020) · purchase · DFCU Financial
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$70K (50%)
Approval → funding
38 days
Approved
1/22/2020
First disbursed
2/29/2020
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Caterers
If you were the buyer here
Est. deal size
$156K
Est. down payment (10%)
$16K
Est. cash at closing
$20K
Monthly payment
$1,626
Annual debt service
$20K
Cash flow needed (1.25×)
$24K
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 DFCU Financial · Lender record →
Your business? Claim this record · Request removal

Financing a caterers 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 caterers businesses with a Florida project address.

Agent summary

How to finance a caterers 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. First Internet Bank of Indiana funds the most here. CapBench is not a lender.

$540K typical loan
5 lenders active in Florida
7+ funded Florida deals
22 days typical to fund

Buyers buying a caterers 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 caterers 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/industry/caterers/florida
API:: https://www.capbench.com/api/public/lenders?industry=caterers
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.