IGA USA - License Agreement, by the numbers
IGA USA - License Agreement appears in 14 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S2656)
14 deals since 2020 · typical deal $1.1M
14
Deals since 2020
$1.1M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for IGA USA - License Agreement
Most IGA USA - License Agreement deals financed between $342K and $1.45M. Above $1.45M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $14,611
- Down payment (10%)
- $124K
- Cash to close (all-in)
- $170K
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 ~$170K)
Experience
Recent financings
- James A. Kincaid in Washington, WV — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 1 days
- Approved
- 5/2/2024
- First disbursed
- 5/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Gasoline Stations with Convenience Stores
Funded by BayFirst National Bank · Lender record →
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- Sukhtan, Inc. in Sheridan, OR — $2.8M (2023) · Readycap Lending, LLC
- Program
- 7a General
- Rate at approval
- 9.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 26 days
- Approved
- 5/4/2023
- First disbursed
- 5/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Supermarkets and Other Grocery Retailers (except Convenience
Funded by Readycap Lending, LLC · Lender record →
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- Domec Foods LLC in Lagrange, OH — $456K (2023) · purchase · Northwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $342K (75%)
- Approval → funding
- 4 days
- Approved
- 3/27/2023
- First disbursed
- 3/31/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 52
- Business age
- Change of Ownership
- Industry
- Supermarkets and Other Grocery Retailers (except Convenience
If you were the buyer here
- Est. deal size
- $507K
- Est. down payment (10%)
- $51K
- Est. cash at closing
- $68K
- Monthly payment
- $6,217
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $93K
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 Northwest Bank · Lender record →
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- Domec Foods LLC in Lagrange, OH — $25K (2023) · purchase · Northwest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 4 days
- Approved
- 3/27/2023
- First disbursed
- 3/31/2023
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Change of Ownership
- Industry
- Supermarkets and Other Grocery Retailers (except Convenience
If you were the buyer here
- Est. deal size
- $28K
- Est. down payment (10%)
- $3K
- Est. cash at closing
- $4K
- Monthly payment
- $341
- Annual debt service
- $4K
- Cash flow needed (1.25×)
- $5K
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 Northwest Bank · Lender record →
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- GG & GA Enterprises, Inc. in Oberlin, OH — $2.9M (2022) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 277 months
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 14 days
- Approved
- 12/8/2021
- First disbursed
- 12/22/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Supermarkets and Other Grocery (except Convenience) Stores
Funded by Readycap Lending, LLC · Lender record →
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- HMS Ventures LLC in Richburg, SC — $1.5M (2022) · TD Bank, National Association
- Program
- 7a General
- Rate at approval
- 3.75% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $888K (61%)
- Approval → funding
- 12 days
- Approved
- 10/19/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Supermarkets and Other Grocery (except Convenience) Stores
Funded by TD Bank, National Association · Lender record →
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- Monty LLC in Billings, MT — $1.1M (2022) · purchase · First Interstate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.55% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $838K (75%)
- Approval → funding
- 23 days
- Approved
- 6/13/2022
- First disbursed
- 7/6/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Supermarkets and Other Grocery Retailers (except Convenience
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $124K
- Est. cash at closing
- $170K
- Monthly payment
- $6,895
- Annual debt service
- $83K
- Cash flow needed (1.25×)
- $103K
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 First Interstate Bank · Lender record →
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- Clifton Market and Clifton IGA in Cincinnati, OH — $342K (2022) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 258 months
- SBA guaranteed
- $257K (75%)
- Approval → funding
- 6 days
- Approved
- 11/17/2021
- First disbursed
- 11/23/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Supermarkets and Other Grocery (except Convenience) Stores
Funded by Readycap Lending, LLC · Lender record →
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- BEK, Inc in Billings, MT — $250K (2022) · First Interstate Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 21 days
- Approved
- 6/15/2022
- First disbursed
- 7/6/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Supermarkets and Other Grocery Retailers (except Convenience
Funded by First Interstate Bank · Lender record →
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- MFF Properties, LLC in Manzanita, OR — $3.6M (2021) · KeyBank National Association
- Program
- 7a General
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (44%)
- Approval → funding
- 53 days
- Approved
- 9/13/2021
- First disbursed
- 11/5/2021
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Supermarkets and Other Grocery (except Convenience) Stores
Funded by KeyBank National Association · Lender record →
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Who funds IGA USA - License Agreement — and where
Every dot is a financed IGA USA - License Agreement — 14 mapped.
Financed IGA USA - License Agreement locations — list all 14 as text
- Sahajanand One Management LLC — Mullins · $1.1M · FY2021 · Supermarkets and Other Grocery (except Convenience) Stores
- James A. Kincaid — Washington · $150K · FY2024 · Gasoline Stations with Convenience Stores
- GRANVILLE MEATS & GROCERIES INC. — Granville · $700K · FY2020 · Supermarkets and Other Grocery (except Convenience) Stores
- New A & D, LLC — Craigsville · $1.2M · FY2021 · Supermarkets and Other Grocery (except Convenience) Stores
- Monty LLC — Billings · $1.1M · FY2022 · Supermarkets and Other Grocery Retailers (except Convenience
- BEK, Inc — Billings · $250K · FY2022 · Supermarkets and Other Grocery Retailers (except Convenience
- Domec Foods LLC — Lagrange · $25K · FY2023 · Supermarkets and Other Grocery Retailers (except Convenience
- Domec Foods LLC — Lagrange · $456K · FY2023 · Supermarkets and Other Grocery Retailers (except Convenience
- Sukhtan, Inc. — Sheridan · $2.8M · FY2023 · Supermarkets and Other Grocery Retailers (except Convenience
- HMS Ventures LLC — Richburg · $1.5M · FY2022 · Supermarkets and Other Grocery (except Convenience) Stores
- Clifton Market and Clifton IGA — Cincinnati · $342K · FY2022 · Supermarkets and Other Grocery (except Convenience) Stores
- GG & GA Enterprises, Inc. — Oberlin · $2.9M · FY2022 · Supermarkets and Other Grocery (except Convenience) Stores
- Sheridan IGA — Sheridan · $860K · FY2021 · Supermarkets and Other Grocery (except Convenience) Stores
- MFF Properties, LLC — Manzanita · $3.6M · FY2021 · Supermarkets and Other Grocery (except Convenience) Stores
Top lenders for this brand
Most active states
- 1.Ohio (4 loans)IGA USA - License Agreement lenders in Ohio->
- 2.Oregon (3 loans)IGA USA - License Agreement lenders in Oregon->
- 3.South Carolina (2 loans)IGA USA - License Agreement lenders in South Carolina->
- 4.Montana (2 loans)IGA USA - License Agreement lenders in Montana->
- 5.West Virginia (1 loans)IGA USA - License Agreement lenders in West Virginia->
- 6.Illinois (1 loans)IGA USA - License Agreement lenders in Illinois->
- 7.Virginia (1 loans)IGA USA - License Agreement lenders in Virginia->
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Common questions
How much does a IGA USA - License Agreement cost to buy or open?
The typical deal for IGA USA - License Agreement is $1.1M across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $123K of buyer cash on a typical deal.
How risky is IGA USA - License Agreement?
IGA USA - License Agreement has 14 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 IGA USA - License Agreement with an SBA loan?
Yes — IGA USA - License Agreement 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 IGA USA - License Agreement franchise
Most IGA USA - License 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 IGA USA - License Agreement deal financed for $1.1M, which points to about $123K of buyer cash on a typical purchase. IGA USA - License Agreement is listed in the SBA Franchise Directory (identifier S2656), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund IGA USA - License 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 IGA USA - License 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 IGA USA - License Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. IGA USA - License Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 14 SBA 7(a) deals since 2020
- $1.1M typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2656)
- Top lenders: Readycap Lending, LLC, First Interstate Bank, Northwest Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
- 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 IGA USA - License Agreement.