SBA loans to coffee shops, ice cream parlors, juice and tea bars and doughnut shops in Florida
Short answer
SBA's loan file shows 325 loans to coffee shops, ice cream parlors, juice and tea bars and doughnut shops in Florida since October 2019. 63.4% went to startups, against 48.8% nationally. 16.0% went through SBA Express, against 27.3% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 325
- median loan
- $405,000
- dollars approved
- $165M
- went to startups
- 63.4%
These are the 325 SBA 7(a) loans to coffee shops, ice cream parlors, juice and tea bars and doughnut shops in Florida approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Florida differs from the U.S.
What this means for you. If yours is a new business, lenders in Florida funded startups more often here than lenders did nationally.
Startups
63.4% of the loans in Florida went to startups, where the loan opens the business, against 48.8% nationally.
SBA Express
16.0% of the loans in Florida went through SBA Express, against 27.3% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $405,000 in Florida, 51% above the national median of $268,000.
The middle half of loans in Florida ran from $216,000 to $630,000. Nationally the middle half ran from $75,875 to $495,750.
We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. One more difference is in the table.
Florida next to the U.S.
| Measure | Florida | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 1.3% | 1.5% | No clear gap |
| Median loan | $405,000 | $268,000 | Clearly higher |
| Middle half of loans | $216,000 to $630,000 | $75,875 to $495,750 | – |
| Startups (the loan opens the business) | 63.4% | 48.8% | Clearly higher |
| In business 2 years or less | 14.8% | 17.5% | No clear gap |
| In business more than 2 years | 15.4% | 24.7% | Clearly lower |
| Change of ownership | 5.8% | 8.1% | No clear gap |
| SBA Express | 16.0% | 27.3% | Clearly lower |
| Lines of credit | 12.6% | 15.9% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.75 points over Prime | 2.5 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Florida
The 5 lenders below made 122 of the 325 loans approved October 2019 to June 2026, or 37.5%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| The Huntington National Bank | 50 | 15.4% | 15.9% |
| Citizens Bank (Elizabethton, TN) | 19 | 5.8% | Not in top 5 |
| First Bank of the Lake | 18 | 5.5% | Not in top 5 |
| First Federal Bank | 18 | 5.5% | Not in top 5 |
| Newtek Bank | 17 | 5.2% | 2.8% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Coffee shops, ice cream parlors, juice and tea bars and doughnut shops in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| Texas | 568 |
| California | 563 |
| Ohio | 251 |
| New York | 196 |
| Michigan | 191 |
| Georgia | 178 |
| Washington | 165 |
| Pennsylvania | 164 |
More industries in Florida
Other industries in Florida with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 897 |
| Fast-food, pizza and counter-service restaurants | 719 |
| Plumbing and HVAC companies | 521 |
| Paving, fencing, pool and other specialty contractors | 490 |
| Gyms, fitness studios and recreational sports centers | 485 |
| Home remodeling contractors | 455 |
| Landscaping and lawn care companies | 413 |
| Child care centers and preschools | 411 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to coffee shops, ice cream parlors, juice and tea bars and doughnut shops in Florida. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/snack-nonalcoholic-beverage-bars/florida/
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