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Lapels, by the numbers

Lapels appears in 10 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 S0985)

10 deals since 2020 · typical deal $266K

10

Deals since 2020

$266K

Typical deal

4

Deals since FY2025

—

Too few deals to score risk

Lapels has 10 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Lapels

Most Lapels deals financed between $50K and $347K. Above $347K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,702
Down payment (10%)
$30K
Cash to close (all-in)
$40K

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 ~$40K)

Experience

Recent financings

  • Batt Cleaning Management Inc. in Gretna, NE — $500K (2026) · American National Bank
  • Mpamah Inc in College Station, TX — $949K (2025) · The Huntington National Bank
  • LML Green Dry Cleaning, LLC in Wilmington, MA — $125K (2025) · Manufacturers and Traders Trust Company
  • Mpamah Inc in College Station, TX — $50K (2025) · The Huntington National Bank
  • Oxen Properties, LLC in Houma, LA — $258K (2024) · South Louisiana Bank
  • Oxen Properties, LLC in Houma, LA — $30K (2024) · South Louisiana Bank
  • Bridge Equities LLC in Brick, NJ — $273K (2022) · purchase · BayFirst National Bank
  • JTBJ HOLDINGS INC. in Frisco, TX — $347K (2021) · purchase · PlainsCapital Bank
  • J&S ENTERPRISE LLC in Wilkes-Barre, PA — $266K (2021) · The Huntington National Bank
  • J&S ENTERPRISE LLC in Wilkes-Barre, PA — $15K (2021) · The Huntington National Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Lapels brand mark

Who funds Lapels — and where

Every dot is a financed Lapels — 9 mapped.

Financed Lapels locations — list all 9 as text
  • J&S ENTERPRISE LLC — Wilkes-Barre · $15K · FY2021 · Drycleaning and Laundry Services (except Coin-Operated)
  • J&S ENTERPRISE LLC — Wilkes-Barre · $266K · FY2021 · Drycleaning and Laundry Services (except Coin-Operated)
  • Oxen Properties, LLC — Houma · $258K · FY2024 · Drycleaning and Laundry Services (except Coin-Operated)
  • Oxen Properties, LLC — Houma · $30K · FY2024 · Drycleaning and Laundry Services (except Coin-Operated)
  • Batt Cleaning Management Inc. — Gretna · $500K · FY2026 · Drycleaning and Laundry Services (except Coin-Operated)
  • Mpamah Inc — College Station · $949K · FY2025 · Drycleaning and Laundry Services (except Coin-Operated)
  • Mpamah Inc — College Station · $50K · FY2025 · Drycleaning and Laundry Services (except Coin-Operated)
  • JTBJ HOLDINGS INC. — Frisco · $347K · FY2021 · Drycleaning and Laundry Services (except Coin-Operated)
  • LML Green Dry Cleaning, LLC — Wilmington · $125K · FY2025 · Coin-Operated Laundries and Drycleaners

Top lenders for this brand

  1. 1.The Huntington National Bank(4)
  2. 2.South Louisiana Bank (2)
  3. 3.American National Bank (1)
  4. 4.PlainsCapital Bank(1)
  5. 5.BayFirst National Bank(1)

Most active states

  1. 1.Texas (3 loans)Lapels lenders in Texas->
  2. 2.Pennsylvania (2 loans)Lapels lenders in Pennsylvania->
  3. 3.Louisiana (2 loans)Lapels lenders in Louisiana->
  4. 4.Nebraska (1 loans)Lapels lenders in Nebraska->
  5. 5.New Jersey (1 loans)Lapels lenders in New Jersey->
  6. 6.Massachusetts (1 loans)Lapels lenders in Massachusetts->

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Common questions

How much does a Lapels cost to buy or open?

The typical deal for Lapels is $266K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $29K of buyer cash on a typical deal.

How risky is Lapels?

Lapels has 10 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 Lapels with an SBA loan?

Yes — Lapels has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Lapels franchise

Most Lapels 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 Lapels deal financed for $266K, which points to about $29K of buyer cash on a typical purchase. Lapels is listed in the SBA Franchise Directory (identifier S0985), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Lapels — 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 Lapels — 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 Lapels — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Lapels is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 10 SBA 7(a) deals since 2020
  • $266K typical deal
  • 4 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0985)
  • Top lenders: The Huntington National Bank, South Louisiana Bank, American National Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/lapels
API:
https://www.capbench.com/api/public/franchises/lapels
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 Lapels.

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