| Loan Type | Interest Rate (APR) | Origination Fee | Down Payment | | :--- | :--- | :--- | :--- | | Standalone license loan | 14% – 25% | 3% – 6% | 10% – 20% | | SBA 7(a) (license + business) | 11% – 14% | 2% – 4% | 10% – 20% | | Seller financing | 6% – 12% | 0% – 2% | 20% – 50% | | Bank portfolio (with real estate) | 8% – 11% | 1% – 2% | 20%+ |
When Elena looked at the market, she found that a "4COP" license (allowing the sale of beer, wine, and spirits for consumption on-premise) in Osceola County could cost anywhere from on the secondary market. osceola liquor license financing
Navigating Osceola Liquor License Financing: A Complete Guide | Loan Type | Interest Rate (APR) |
But when she approached the county offices to finalize her permits, she hit a financial wall that stops many aspiring owners in their tracks: She had the location scouted, the menu perfected,
Meet Elena. A veteran restaurant manager with twenty years of experience, Elena had a dream: to open "The Citrus & Vine," an upscale tapas bar and wine lounge in downtown Kissimmee. She had the location scouted, the menu perfected, and the business plan written.
Here is how the financing structure worked for Elena: