Brightway - Associate Agency Owners Agreement, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0254)
6 deals since 2020 · typical deal $160K
6
Deals since 2020
$160K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Brightway - Associate Agency Owners Agreement
Most Brightway - Associate Agency Owners Agreement deals financed between $25K and $220K. Above $220K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,365
- Down payment (10%)
- $18K
- Cash to close (all-in)
- $24K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$24K)
Experience
Recent financings
- AJE Insurance And Financial Services, LLC in West Point, MS — $25K (2026) · The Citizens National Bank of Meridian
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 12 days
- Approved
- 2/13/2026
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Insurance Agencies and Brokerages
Funded by The Citizens National Bank of Meridian · Lender record →
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- Fortified Services LLC in Hartford, CT — $20K (2026) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approved
- 1/7/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- New Business or 2 years or less
- Industry
- Insurance Agencies and Brokerages
Funded by Manufacturers and Traders Trust Company · Lender record →
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- AJE Insurance & Financial Services, LLC in West Point, MS — $150K (2025) · The Citizens National Bank of Meridian
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 306 months
- SBA guaranteed
- $127K (85%)
- Approval → funding
- 19 days
- Approved
- 8/7/2025
- First disbursed
- 8/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Insurance Agencies and Brokerages
Funded by The Citizens National Bank of Meridian · Lender record →
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- SEMANATE & ASSOCIATES LLC in Worth, IL — $160K (2023) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $120K (75%)
- Approval → funding
- 1 days
- Approved
- 5/16/2023
- First disbursed
- 5/17/2023
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Insurance Agencies and Brokerages
Funded by Byline Bank · Lender record →
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- HAT TRICK INVESTMENTS, LLC in Jupiter, FL — $1.0M (2021) · purchase · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $936K (90%)
- Approval → funding
- 13 days
- Approved
- 8/18/2021
- First disbursed
- 8/31/2021
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Insurance Agencies and Brokerages
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $116K
- Est. cash at closing
- $158K
- Monthly payment
- $11,158
- Annual debt service
- $134K
- Cash flow needed (1.25×)
- $167K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by LendingClub Bank, National Association · Lender record →
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- Fayetteville Securus Group, Inc. in Fayetteville, NC — $220K (2021) · Capital Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $165K (75%)
- Approval → funding
- 9 days
- Approved
- 7/12/2021
- First disbursed
- 7/21/2021
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Insurance Agencies and Brokerages
Funded by Capital Bank, National Association · Lender record →
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Who funds Brightway - Associate Agency Owners Agreement — and where
Every dot is a financed Brightway - Associate Agency Owners Agreement — 6 mapped.
Financed Brightway - Associate Agency Owners Agreement locations — list all 6 as text
- AJE Insurance & Financial Services, LLC — West Point · $150K · FY2025 · Insurance Agencies and Brokerages
- Fortified Services LLC — Hartford · $20K · FY2026 · Insurance Agencies and Brokerages
- AJE Insurance And Financial Services, LLC — West Point · $25K · FY2026 · Insurance Agencies and Brokerages
- SEMANATE & ASSOCIATES LLC — Worth · $160K · FY2023 · Insurance Agencies and Brokerages
- Fayetteville Securus Group, Inc. — Fayetteville · $220K · FY2021 · Insurance Agencies and Brokerages
- HAT TRICK INVESTMENTS, LLC — Jupiter · $1.0M · FY2021 · Insurance Agencies and Brokerages
Top lenders for this brand
Most active states
- 1.Mississippi (2 loans)Brightway - Associate Agency Owners Agreement lenders in Mississippi->
- 2.Connecticut (1 loans)Brightway - Associate Agency Owners Agreement lenders in Connecticut->
- 3.Illinois (1 loans)Brightway - Associate Agency Owners Agreement lenders in Illinois->
- 4.North Carolina (1 loans)Brightway - Associate Agency Owners Agreement lenders in North Carolina->
- 5.Florida (1 loans)Brightway - Associate Agency Owners Agreement lenders in Florida->
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Common questions
How much does a Brightway - Associate Agency Owners Agreement cost to buy or open?
The typical deal for Brightway - Associate Agency Owners Agreement is $160K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $18K of buyer cash on a typical deal.
How risky is Brightway - Associate Agency Owners Agreement?
Brightway - Associate Agency Owners Agreement has 6 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Brightway - Associate Agency Owners Agreement with an SBA loan?
Yes — Brightway - Associate Agency Owners Agreement has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Brightway - Associate Agency Owners Agreement franchise
Most Brightway - Associate Agency Owners Agreement buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Brightway - Associate Agency Owners Agreement deal financed for $160K, which points to about $18K of buyer cash on a typical purchase. Brightway - Associate Agency Owners Agreement is listed in the SBA Franchise Directory (identifier S0254), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Brightway - Associate Agency Owners Agreement — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Brightway - Associate Agency Owners Agreement — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Brightway - Associate Agency Owners Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Brightway - Associate Agency Owners Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 6 SBA 7(a) deals since 2020
- $160K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0254)
- Top lenders: The Citizens National Bank of Meridian, Manufacturers and Traders Trust Company, Byline Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Brightway - Associate Agency Owners Agreement.