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SBA eligible franchise

Financing a Tropical Smoothie Cafe with an SBA loan

Since FY2020, 30 Tropical Smoothie Cafe locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.

Tropical Smoothie Cafe franchising: tropicalsmoothiefranchise.com

Acquisition loans
30
since FY2020
Median loan size
$500,000
FY2025 to FY2026 Q3
Median rate
9.25%
at approval
Total approved
$6M
FY2025 to FY2026 Q3

What a lender sees

Tropical Smoothie Cafe is an established brand in the SBA loan file: 30 acquisitions cleared underwriting in the last five years. At the $500,000 median loan, a standard 7(a) structure puts roughly $50,000 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 9.25 percent median rate is the number to model your payment against.

Lenders that actually write these

The banks below approved the most Tropical Smoothie Cafe acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.

SBA conditions on this brand

From the SBA Franchise Directory

When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease Agreement and Conditional Assignment of Lease may not be executed.

Every franchise the SBA will finance carries an entry in its directory, and some carry conditions like this one about how the real estate and the lease may be held. A lender has to clear these before funding, so they are worth reading before you make an offer.

Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Tropical Smoothie Cafe or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.