Financing a vending machine operators acquisition in Florida

State:

The SBA 7(a) lenders funding the most vending machine operators 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 vending machine operators in Florida

$225K

Typical loan

range $100K–$258K

$250K

Est. purchase price

≈ loan ÷ 90%

$33,438

Cash to close

$25,000 down + fees

$3,293/mo

Typical payment

~12.5% · 10yr

$45,443/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

6 days

Typical time to fund

Lenders competing

more = leverage

9.08%

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 vending machine operators · Florida

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

1.3,264 loans · $846M · Miami, FLFull record →

5+ funded Vending Machine Operators 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.

Smith Coastal Vending, LLC in Fort Myers, FL — $100K (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,308
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
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 Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Smith Coastal Vending, LLC in Fort Myers, FL — $25K (2026) · purchase · Newtek Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
3/5/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$377
Annual debt service
$5K
Cash flow needed (1.25×)
$6K
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 Bank, National Association · Lender record →
Your business? Claim this record · Request removal
FRALE LLC in Orlando, FL — $258K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$193K (75%)
Approval → funding
6 days
Approved
2/23/2024
First disbursed
2/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$286K
Est. down payment (10%)
$29K
Est. cash at closing
$38K
Monthly payment
$3,584
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Lynch & Miros LLC in Ocala, FL — $225K (2022) · purchase · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
5.13% variable
Term
60 mo (5 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
6 days
Approved
2/16/2022
First disbursed
2/22/2022
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$250K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$4,259
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
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 Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
Game Time Vending LLC in Saint Petersburg, FL — $5.0M (2021) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
5 days
Approved
8/6/2021
First disbursed
8/11/2021
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$55,510
Annual debt service
$666K
Cash flow needed (1.25×)
$833K
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.
Your business? Claim this record · Request removal

Financing a vending machine operators 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 vending machine operators businesses with a Florida project address.

Agent summary

How to finance a vending machine operators 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. Newtek Bank, National Association funds the most here. CapBench is not a lender.

$250K typical loan
4 lenders active in Florida
5+ funded Florida deals
6 days typical to fund

Buyers buying a vending machine operators 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 vending machine operators 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/vending-machine-operators/florida
API:: https://www.capbench.com/api/public/lenders?industry=vending-machine-operators
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.