SBA lending record

VIVID MILLWORK & CARPENTRY, INC.

6095 Maplewood Court, Sterling Heights, MI 48312 · Finish Carpentry Contractors. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$3.2M

Total SBA financing

Loans on record

FY2021–26

On record

Jobs supported

● business — business location is the ZIP-area centroid from the public record

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All 10 loans

$882,000 — FY2026

Loan 1 of 10

Gross approval: $882,000
SBA guaranteed: $661,500 (75%)
Status: Current
Rate at approval: 8% v
Term: 300 mo (25 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 11/24/2025
First disbursement: 12/16/2025
Days to fund: 22 days
Collateral: Required
Jobs supported: 1
Business type: Corporation
Business age: New Business or 2 years or less
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 WALL ST
City: Sterling Heights, 48312
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$650,000 — FY2025

Loan 2 of 10

Gross approval: $650,000
SBA guaranteed: $487,500 (75%)
Status: Current
Rate at approval: 10% v
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/17/2025
First disbursement: 3/13/2025
Days to fund: 24 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 3
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 WALL ST
City: Sterling Heights, 48312
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$350,000 — FY2025

Loan 3 of 10

Gross approval: $350,000
SBA guaranteed: $175,000 (50%)
Status: Current
Rate at approval: 10% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/17/2025
First disbursement: 3/13/2025
Days to fund: 24 days
Collateral: Required
Jobs supported: 3
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 WALL ST
City: Sterling Heights, 48312
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$250,000 — FY2024

Loan 4 of 10

Gross approval: $250,000
SBA guaranteed: $125,000 (50%)
Status: Paid in full
Rate at approval: 11.25% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 12/13/2023
First disbursement: 12/15/2023
Days to fund: 2 days
Paid in full: 3/31/2025
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 WALL ST
City: Sterling Heights, 48312
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$70,000 — FY2022

Loan 5 of 10

Gross approval: $70,000
SBA guaranteed: $35,000 (50%)
Status: Paid in full
Rate at approval: 2.75% f
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 11/5/2021
First disbursement: 11/5/2021
Days to fund: 0 days
Paid in full: 3/31/2025
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 1183 COMBERMERE DR
City: Troy, 48083
County: Oakland
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$567,500 — FY2021

Loan 6 of 10

Gross approval: $567,500
SBA guaranteed: $510,750 (90%)
Status: Current
Rate at approval: 6% f
Term: 300 mo (25 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/24/2021
First disbursement: 9/24/2021
Days to fund: 0 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 Maplewood Court
City: Sterling Heights, 48312
County: Macomb
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$100,000 — FY2021

Loan 7 of 10

Gross approval: $100,000
SBA guaranteed: $50,000 (50%)
Status: Cancelled
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/27/2021
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 1183 COMBERMERE DR
City: Troy, 48083
County: Oakland
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$100,000 — FY2021

Loan 8 of 10

Gross approval: $100,000
SBA guaranteed: $75,000 (75%)
Status: Paid in full
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/27/2021
First disbursement: 9/27/2021
Days to fund: 0 days
Paid in full: 3/31/2025
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 1183 COMBERMERE DR
City: Troy, 48083
County: Oakland
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 9

$100,000 — FY2021

Loan 9 of 10

Gross approval: $100,000
SBA guaranteed: $75,000 (75%)
Status: Cancelled
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/29/2021
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 Maplewood Court
City: Troy, 48085
County: Oakland
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 8

$100,000 — FY2021

Loan 10 of 10

Gross approval: $100,000
SBA guaranteed: $50,000 (50%)
Status: Cancelled
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/29/2021
Collateral: Required
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Finish Carpentry Contractors
NAICS code: 238350
Lender: Citizens Bank, National Association
Address: 6095 Maplewood Court
City: Troy, 48085
County: Oakland
SBA district office: MICHIGAN DISTRICT OFFICE
Congressional district: 8

The lender

Citizens Bank, National Association

10 loans to this businessFull SBA lending record + branches on the lender page →

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The banks most active funding finish carpentry contractors — by location, industry.

SBA lenders in Michigan Lenders for finish carpentry contractors Finish Carpentry Contractors lenders in Michigan

Similar businesses

Comparable finish carpentry contractors in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

ALL BUILDS CONSTRUCTION, INC.

Warren, MI· ~3 mi

Finish Carpentry Contractors

$189K
SBA financing: ≈ $371K–$618K
Est. revenue (rough)

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American Mission LLC

Madison Heights, MI· ~7 mi

Finish Carpentry Contractors

$17K
SBA financing: ≈ $32K–$54K
Est. revenue (rough)

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J.D.S. Woodworking, LLC

Saint Clair Shores, MI· ~7 mi

Finish Carpentry Contractors

$12K
SBA financing: ≈ $24K–$39K
Est. revenue (rough)

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ACE DOOR COMPANY

Harrison Township, MI· ~9 mi

Finish Carpentry Contractors

$50K
SBA financing: ≈ $98K–$163K
Est. revenue (rough)

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Accent Window Repair & More

Shelby Twp, MI· ~8 mi

Finish Carpentry Contractors

$100K
SBA financing: ≈ $196K–$327K
Est. revenue (rough)

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InVision Group LLC

Shelby Twp, MI· ~6 mi

Finish Carpentry Contractors

$38K
SBA financing: ≈ $75K–$125K
Est. revenue (rough)

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Agent summary

This page summarizes the public SBA 7(a) lending record for VIVID MILLWORK & CARPENTRY, INC. in Sterling Heights, MI (Finish Carpentry Contractors). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

10 SBA 7(a) loans totaling $3.2M
On record FY2021–26
21 jobs supported
Industry: Finish Carpentry Contractors
Location: Sterling Heights, MI
Lender: Citizens Bank, National Association

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Finish Carpentry Contractors businesses in MI for ~$317k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/vivid-millwork-carpentry-inc-mi
API:: https://www.capbench.com/api/public/businesses/vivid-millwork-carpentry-inc-mi
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

Is VIVID MILLWORK & CARPENTRY, INC. your business?

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with VIVID MILLWORK & CARPENTRY, INC..