COIT, 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 S0318)
4 deals since 2020 · typical deal $900K
4
Deals since 2020
$900K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for COIT
Most COIT deals financed between $150K and $2.77M. Above $2.77M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $11,769
- Down payment (10%)
- $100K
- Cash to close (all-in)
- $137K
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 ~$137K)
Experience
Recent financings
- DMB Acquisitions, LLC in Englewood, CO — $900K (2024) · purchase · Glacier Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.95% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $675K (75%)
- Approval → funding
- 75 days
- Approved
- 9/25/2024
- First disbursed
- 12/9/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 62
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $100K
- Est. cash at closing
- $137K
- Monthly payment
- $10,896
- Annual debt service
- $131K
- Cash flow needed (1.25×)
- $163K
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 Glacier Bank · Lender record →
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- DMB Acquisitions, LLC in Englewood, CO — $150K (2024) · purchase · Glacier Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 476 days
- Approved
- 9/25/2024
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 62
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,900
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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 Glacier Bank · Lender record →
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- B&L Acquisition Group, LLC in Cleveland, OH — $2.8M (2021) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 5.84% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.5M (90%)
- Approval → funding
- 111 days
- Approved
- 9/10/2021
- First disbursed
- 12/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 54
- Business age
- New Business or 2 years or less
- Industry
- Carpet and Upholstery Cleaning Services
Funded by First National Bank of Pennsylvania · Lender record →
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- B&L Acquisition Group, LLC in Cleveland Heights, OH — $100K (2021) · First National Bank of Pennsylvania
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $75K (75%)
- Approval → funding
- 20 days
- Approved
- 9/10/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 54
- Business age
- New Business or 2 years or less
- Industry
- Carpet and Upholstery Cleaning Services
Funded by First National Bank of Pennsylvania · Lender record →
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Who funds COIT — and where
Every dot is a financed COIT — 4 mapped.
Financed COIT locations — list all 4 as text
- DMB Acquisitions, LLC — Englewood · $150K · FY2024 · Janitorial Services
- DMB Acquisitions, LLC — Englewood · $900K · FY2024 · Janitorial Services
- B&L Acquisition Group, LLC — Cleveland · $2.8M · FY2021 · Carpet and Upholstery Cleaning Services
- B&L Acquisition Group, LLC — Cleveland Heights · $100K · FY2021 · Carpet and Upholstery Cleaning Services
Top lenders for this brand
Most active states
- 1.Colorado (2 loans)
- 2.Ohio (2 loans)
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Common questions
How much does a COIT cost to buy or open?
The typical deal for COIT is $900K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $99K of buyer cash on a typical deal.
How risky is COIT?
COIT has 4 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 COIT with an SBA loan?
Yes — COIT has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a COIT franchise
Most COIT 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 COIT deal financed for $900K, which points to about $99K of buyer cash on a typical purchase. COIT is listed in the SBA Franchise Directory (identifier S0318), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund COIT — 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 COIT — 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 COIT — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. COIT is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $900K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0318)
- Top lenders: Glacier Bank, First National Bank of Pennsylvania
- 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/franchises/coit
- 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 COIT.