{"ok":true,"canonical_url":"https://www.capbench.com/franchises/itrip-vacations","api_url":"https://www.capbench.com/api/public/franchises/itrip-vacations","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-22","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"iTrip Vacations","slug":"itrip-vacations","url":"https://www.capbench.com/franchises/itrip-vacations","sbaLoansSince2020":21,"businessPurchases":1,"typicalDeal":150000,"dealRange25th75th":[143000,150000],"avgRatePct":8.35,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":3,"topLenders":[{"name":"United Midwest Savings Bank National Association","count":9,"url":"https://www.capbench.com/lenders/united-midwest-savings-bank-national-association"},{"name":"U.S. Bank, National Association","count":2,"url":"https://www.capbench.com/lenders/u-s-bank-national-association"},{"name":"First Commonwealth Bank","count":2,"url":"https://www.capbench.com/lenders/first-commonwealth-bank"},{"name":"The Huntington National Bank","count":2,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"TD Bank, National Association","count":2,"url":"https://www.capbench.com/lenders/td-bank-national-association"}],"topStates":[{"count":5,"state":"FL"},{"count":3,"state":"TX"},{"count":2,"state":"NV"},{"count":2,"state":"SC"},{"count":1,"state":"CA"},{"count":1,"state":"TN"},{"count":1,"state":"CO"},{"count":1,"state":"OH"}],"recentDeals":[{"borrower":"Ohio STR Partners LLC dba Reach Realty STR","city":"Westerville","state":"OH","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"KPG Real Estate and Property Management LLC","city":"Las Vegas","state":"NV","amount":143000,"fiscalYear":2026,"businessPurchase":false,"lender":"First Commonwealth Bank"},{"borrower":"KPG Real Estate and Property Management LLC","city":"Las Vegas","state":"NV","amount":143000,"fiscalYear":2026,"businessPurchase":false,"lender":"First Commonwealth Bank"},{"borrower":"Sarasota Vacation Rentals LLC","city":"Sarasota","state":"FL","amount":1355000,"fiscalYear":2024,"businessPurchase":true,"lender":"North State Bank"},{"borrower":"Sea Oats Vacations, LLC","city":"Mount Pleasant","state":"SC","amount":750000,"fiscalYear":2024,"businessPurchase":false,"lender":"TD Bank, National Association"},{"borrower":"Velstand Ventures LLC dba iTrip Texoma","city":"Celina","state":"TX","amount":150000,"fiscalYear":2024,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"iTrip Vacations Pagosa Springs","city":"Pagosa Springs","state":"CO","amount":75000,"fiscalYear":2024,"businessPurchase":false,"lender":"Celtic Bank Corporation"},{"borrower":"Sea Island Breeze Inc.","city":"Saint Helena Island","state":"SC","amount":50000,"fiscalYear":2024,"businessPurchase":false,"lender":"Northeast Bank"},{"borrower":"Prime Time Vacation Rentals, LLC","city":"Pigeon Forge","state":"TN","amount":578300,"fiscalYear":2023,"businessPurchase":false,"lender":"U.S. Bank, National Association"},{"borrower":"ACE SHORT TERM RENTAL, LLC","city":"Tamarac","state":"FL","amount":150000,"fiscalYear":2023,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a iTrip Vacations purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a iTrip Vacations purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"iTrip Vacations"},"web_url":"https://www.capbench.com/franchises/itrip-vacations?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with iTrip Vacations.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"iTrip Vacations"},"web_url":"https://www.capbench.com/franchises/itrip-vacations?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full iTrip Vacations SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"iTrip Vacations"},"web_url":"https://www.capbench.com/franchises/itrip-vacations?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/itrip-vacations","source_type":"CapBench Data"}}