Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Tropical Smoothie Cafe franchise? Not all lenders are equal — some banks fund dozens of Tropical Smoothie Cafe deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for Tropical Smoothie Cafe in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Tropical Smoothie Cafe (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 14 | $8.5M | 9.42% |
| 2 | The Huntington National Bank | 7 | $2.4M | 9.79% |
| 3 | ConnectOne Bank | 4 | $2.2M | 9.94% |
| 4 | Wilmington Savings Fund Society FSB | 3 | $2.0M | 9.83% |
| 5 | Gulf Coast Bank | 3 | $1.7M | 7.75% |
| 6 | Manufacturers and Traders Trust Company | 2 | $325K | 10.25% |
| 7 | SouthState Bank, National Association | 2 | $1.3M | 10.25% |
| 8 | Citizens Bank | 2 | $1.1M | 9.88% |
| 9 | KeyBank National Association | 2 | $1.1M | 9.62% |
| 10 | First Financial Bank | 1 | $588K | 9.50% |
| 11 | Rockland Trust Company | 1 | $495K | 7.25% |
| 12 | Dogwood State Bank | 1 | $1.8M | 9.25% |
| 13 | United Community Bank | 1 | $815K | 9.75% |
| 14 | First Savings Bank | 1 | $467K | 10.25% |
| 15 | First Bank & Trust | 1 | $333K | 9.75% |
Key Stats
- Total SBA loans for Tropical Smoothie Cafe in 2025: 50
- Total volume: $30.6M
- Average loan size: $612K
- Average interest rate: 9.53%
- Rate range: 7.25% – 11.00%
- Top states: New York (7), Pennsylvania (6), North Carolina (6), Georgia (5), Texas (5), Florida (5), Kentucky (3), Louisiana (3), South Carolina (1), Massachusetts (1)
Why lender choice matters: The rate spread for Tropical Smoothie Cafe loans ranges from 7.25% to 11.00%. On a $612K loan, that’s a difference of $23K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Tropical Smoothie Cafe
- Work with a lender who knows Tropical Smoothie Cafe — The lenders above have funded multiple Tropical Smoothie Cafe deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for Tropical Smoothie Cafe?
GoSBA submits your Tropical Smoothie Cafe deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
