Food & Restaurants · lender intelligence
How to finance a Tropical Smoothie Cafe in New York
The SBA 7(a) lenders funding the most Tropical Smoothie Cafe deals in New York, from public loan records — typical Tropical Smoothie Cafe loan about $425K. A bank already funding the brand in your state knows it twice over.
Most active with Tropical Smoothie Cafe in New York
Ranked by funded Tropical Smoothie Cafe loans in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.19 loans · $5M · Roseville, CAFull record →
- 3.1,322 loans · $185M · Wilmington, DEFull record →
- 4.2,539 loans · $965M · Columbus, OHFull record →
- 5.24 loans · $17M · Wayne, PAFull record →
- 6.46 loans · $47M · Asheville, NCFull record →
- 7.328 loans · $134M · Cleveland, OHFull record →
16+ funded Tropical Smoothie Cafe in New York 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.
- Garn NY015, Inc. in Patchogue, NY — $794K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.3% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $596K (75%)
- Approval → funding
- 36 days
- Approved
- 12/15/2025
- First disbursed
- 1/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $882K
- Est. down payment (10%)
- $88K
- Est. cash at closing
- $121K
- Monthly payment
- $9,760
- Annual debt service
- $117K
- Cash flow needed (1.25×)
- $146K
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
- Garn Ventures Inc. in West Hempstead, NY — $840K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $630K (75%)
- Approval → funding
- 22 days
- Approved
- 5/20/2025
- First disbursed
- 6/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- 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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- Garn NY093, Inc. in Brooklyn, NY — $600K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 74 days
- Approved
- 9/19/2025
- First disbursed
- 12/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- 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
- Garn NY092, Inc. in Valley Stream, NY — $600K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 22 days
- Approved
- 5/20/2025
- First disbursed
- 6/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- 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
- Falls Tropics, LLC in Bemus Point, NY — $576K (2025) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 124 months
- SBA guaranteed
- $432K (75%)
- Approval → funding
- 87 days
- Approved
- 9/15/2025
- First disbursed
- 12/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- Refresh Smoothie, Inc. in Sunnyside, NY — $499K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 12 days
- Approved
- 1/15/2025
- First disbursed
- 1/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Refresh Smoothie, Inc. in Sunnyside, NY — $40K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 72 days
- Approved
- 1/15/2025
- First disbursed
- 3/28/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Tropical Smoothie Cafe in Selden, NY — $1.7M (2024) · purchase · HomeTrust Bank
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 36 days
- Approved
- 6/13/2024
- First disbursed
- 7/19/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 44
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $184K
- Est. cash at closing
- $253K
- Monthly payment
- $23,032
- Annual debt service
- $276K
- Cash flow needed (1.25×)
- $345K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- Bon Group D Inc in Centereach, NY — $684K (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.389% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $513K (75%)
- Approval → funding
- 11 days
- Approved
- 2/24/2024
- First disbursed
- 3/6/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- BON GROUP A, INC in Hampton Bays, NY — $660K (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.63% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $495K (75%)
- Approval → funding
- 5 days
- Approved
- 1/26/2024
- First disbursed
- 1/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Bon Group C Inc in Smithtown, NY — $652K (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.398% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $489K (75%)
- Approval → funding
- 11 days
- Approved
- 2/24/2024
- First disbursed
- 3/6/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Garn Ventures Inc. in West Hempstead, NY — $408K (2022) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $306K (75%)
- Approved
- 5/24/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
- KET, INC in Mohegan Lake, NY — $350K (2022) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 69 days
- Approved
- 12/31/2021
- First disbursed
- 3/10/2022
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
- 4119 BAYSIDE CORP in Bayside, NY — $500K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $450K (90%)
- Approval → funding
- 113 days
- Approved
- 9/29/2021
- First disbursed
- 1/20/2022
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- 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
- KET, INC in Wappingers Falls, NY — $464K (2021) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $418K (90%)
- Approved
- 7/29/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
- Garn Ventures Inc. in W. Hempstead, NY — $456K (2021) · Meridian Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $410K (90%)
- Approval → funding
- 6 days
- Approved
- 5/21/2021
- First disbursed
- 5/27/2021
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Meridian Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Tropical Smoothie Cafe in New York? Start with a lender that funds them here
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded Tropical Smoothie Cafe loans with a New York project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Tropical Smoothie Cafe purchase in New York with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New York deals. Live Oak Banking Company funds the most here. DealRoom is not a lender.
- $425K typical Tropical Smoothie Cafe loan
- 7 lenders active in New York
- 16+ funded New York deals
- 36 days typical to fund
Buyers buying a Tropical Smoothie Cafe in New York 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.