Lender intelligence
Financing a retail bakeries acquisition in Florida
The SBA 7(a) lenders funding the most retail bakeries 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 retail bakeries in Florida
$290K
Typical loan
range $160K–$290K
$322K
Est. purchase price
≈ loan ÷ 90%
$43,097
Cash to close
$32,222 down + fees
$3,995/mo
Typical payment
~11% · 10yr
$55,131/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
2
Lenders competing
more = leverage
7.88%
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 retail bakeries · Florida
Ranked by funded retail bakeries acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public retail bakeries loan history in Florida to rank lenders yet. See retail bakeries lenders nationwide →
2+ funded Retail Bakeries 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.
- Sita's Sweets in Pensacola, FL — $160K (2022) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $136K (85%)
- Approval → funding
- 27 days
- Approved
- 9/8/2022
- First disbursed
- 10/5/2022
- 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
- 4
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $178K
- Est. down payment (10%)
- $18K
- Est. cash at closing
- $24K
- Monthly payment
- $1,962
- Annual debt service
- $24K
- 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 Newtek Small Business Finance, Inc.
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- JGAL INVESTMENTS LLC in Orlando, FL — $290K (2020) · purchase · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $218K (75%)
- Approved
- 3/10/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $322K
- Est. down payment (10%)
- $32K
- Est. cash at closing
- $43K
- Monthly payment
- $3,442
- Annual debt service
- $41K
- Cash flow needed (1.25×)
- $52K
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 →
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Financing a retail bakeries 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 retail bakeries businesses with a Florida project address.
Agent summary
How to finance a retail bakeries 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. CapBench is not a lender.
- $451K typical loan
- 2 lenders active in Florida
- 2+ funded Florida deals
- 27 days typical to fund
Buyers buying a retail bakeries 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
- 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.