Food & Restaurants · lender intelligence
How to finance a Sonic in Florida
The SBA 7(a) lenders funding the most Sonic deals in Florida, from public loan records — typical Sonic loan about $1.3M. A bank already funding the brand in your state knows it twice over.
Most active with Sonic in Florida
Ranked by funded Sonic loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
4+ funded Sonic 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.
- Smooth Seas Holdings LLC in Miami Gardens, FL — $3.8M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.83% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.9M (75%)
- Approval → funding
- 44 days
- Approved
- 1/14/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 160
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Smooth Seas Holdings LLC in Key Largo, FL — $650K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.27% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $488K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Drive-In Operations Babcock, LLC in Melbourne, FL — $2.0M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 121 months
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 40 days
- Approved
- 1/6/2022
- First disbursed
- 2/15/2022
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.3M
- Est. down payment (10%)
- $225K
- Est. cash at closing
- $310K
- Monthly payment
- $21,095
- Annual debt service
- $253K
- Cash flow needed (1.25×)
- $316K
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
- AQSR East Hialeah LLC in Miami, FL — $1.9M (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.05% variable
- Term
- 306 months
- SBA guaranteed
- $1.4M (75%)
- Approved
- 1/31/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Sonic in Florida? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
DealRoom analysis of public SBA 7(a) lending records; ranked by funded Sonic loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Sonic purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. Live Oak Banking Company funds the most here. DealRoom is not a lender.
- $1.3M typical Sonic loan
- 1 lenders active in Florida
- 4+ funded Florida deals
- 44 days typical to fund
Buyers buying a Sonic in Florida typically pre-qualify, then ask DealRoom to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.