Retail & Shops · lender intelligence
Financing a fruit and vegetable retailers acquisition
The SBA 7(a) lenders funding the most fruit and vegetable retailers acquisitions, ranked from public loan records — typical deal about $525K. A lender doing your industry every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance fruit and vegetable retailers
$250K
Typical loan
range $150K–$800K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
8
Lenders competing
more = leverage
8.25%
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 fruit and vegetable retailers
Ranked by funded fruit and vegetable retailers acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1 loans · $1M · Lincoln, NEFull record →
- 2.274 loans · $315M · Los Angeles, CAFull record →
- 3.4 loans · $1M · Savannah, GAFull record →
- 4.11 loans · $7M · Flushing, NYFull record →
- 5.20 loans · $8M · Saint Petersburg, FLFull record →
- 6.17 loans · $3M · Saint Paul, MNFull record →
- 7.61 loans · $67M · Los Angeles, CAFull record →
- 8.318 loans · $229M · Osage Beach, MOFull record →
10+ funded fruit and vegetable retailers 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.
- RED BARN MARKET & NURSERY in Puyallup, WA — $1.2M (2025) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $874K (75%)
- Approval → funding
- 45 days
- Approved
- 6/2/2025
- First disbursed
- 7/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $129K
- Est. cash at closing
- $178K
- Monthly payment
- $10,179
- Annual debt service
- $122K
- Cash flow needed (1.25×)
- $153K
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 Bank of the Lake · Lender record →
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- Best Ilho LLC in Atlanta, GA — $150K (2025) · purchase · PCB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 36 days
- Approved
- 9/29/2025
- First disbursed
- 11/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,941
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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 PCB Bank · Lender record →
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- Times Farm NJ LLC in Jersey City, NJ — $350K (2024) · purchase · NewBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 4/29/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $5,311
- Annual debt service
- $64K
- Cash flow needed (1.25×)
- $80K
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 NewBank · Lender record →
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- Temescal Produce Market in Oakland, CA — $221K (2024) · purchase · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $166K (75%)
- Approval → funding
- 34 days
- Approved
- 5/8/2024
- First disbursed
- 6/11/2024
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $246K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $33K
- Monthly payment
- $3,107
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $47K
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 BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- Sunset Scion LLC Limited Liability Company in Austin, MN — $150K (2024) · purchase · Highland Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 18 days
- Approved
- 12/15/2023
- First disbursed
- 1/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $2,549
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $38K
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 Highland Bank · Lender record →
Your business? Claim this record · Request removal
- Rooted Sav, LLC in Savannah, GA — $230K (2023) · purchase · Small Business Assistance Corporation
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $172K (75%)
- Approval → funding
- 29 days
- Approved
- 1/9/2023
- First disbursed
- 2/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $255K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $34K
- Monthly payment
- $3,065
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $46K
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 Small Business Assistance Corporation · Lender record →
Your business? Claim this record · Request removal
- Incredibly Designed Inc. in Charlotte, NC — $800K (2022) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approved
- 3/8/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $889K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $122K
- Monthly payment
- $8,485
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $127K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- INCREDIBLY DESIGNED OF CHARLOTTE INC. in High Point, NC — $800K (2022) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 186 months
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 16 days
- Approved
- 3/15/2022
- First disbursed
- 3/31/2022
- 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
- 25
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $889K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $122K
- Monthly payment
- $6,189
- Annual debt service
- $74K
- Cash flow needed (1.25×)
- $93K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Mr. Plum Inc in Brooklyn, NY — $250K (2022) · purchase · Bank of Hope
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 6 days
- Approved
- 6/9/2022
- First disbursed
- 6/15/2022
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $4,833
- Annual debt service
- $58K
- Cash flow needed (1.25×)
- $72K
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 Hope · Lender record →
Your business? Claim this record · Request removal
- INCREDIBLY DESIGNED OF CHARLOTTE INC. in Charlotte, NC — $150K (2022) · purchase · Pinnacle Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 119 months
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 17 days
- Approved
- 3/15/2022
- First disbursed
- 4/1/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Fruit and Vegetable Retailers
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,601
- Annual debt service
- $19K
- 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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to fruit and vegetable retailers businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a fruit and vegetable retailers acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Pinnacle Bank funds the most. CapBench is not a lender.
- $525K typical loan
- 8 lenders fund the industry
- 29 days typical to fund
Buyers researching a fruit and vegetable retailers deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — 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 2026-06-24.
- 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.