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Matco Tools, 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 S1088)

18 deals since 2020 · typical deal $80K

18

Deals since 2020

$80K

Typical deal

5

Deals since FY2025

—

Too few deals to score risk

Matco Tools has 18 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 Matco Tools

Most Matco Tools deals financed between $25K and $150K. Above $150K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$1,183
Down payment (10%)
$9K
Cash to close (all-in)
$11K

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 ~$11K)

Experience

Recent financings

  • JRH Tools LLC in Hayes, VA — $300K (2026) · Newtek Bank, National Association
  • LEMKO LLC in Independence, KY — $50K (2026) · U.S. Bank, National Association
  • Kludy's Tool & Service, LLC in Auburn, WA — $50K (2026) · Columbia Bank
  • DIZZYD TOOLS LLC in Aurora, CO — $25K (2026) · U.S. Bank, National Association
  • CARNRIE TRADING LLC in Marietta, GA — $500K (2025) · Readycap Lending, LLC
  • SLEJ 1995 Investments LLC in Baytown, TX — $150K (2024) · Colony Bank
  • DAVID C. LENT in Aumsville, OR — $150K (2024) · Colony Bank
  • MCR DISTRIBUTIONS, LLC in Bel Air, MD — $10K (2024) · Manufacturers and Traders Trust Company
  • RMC TOOLS AUTHORIZED DISTRIBUTOR FOR MATCO TOOLS LLC in Palm Bay, FL — $80K (2023) · Newtek Bank, National Association
  • Mike Santillo Tools, Inc. in Granby, MA — $188K (2022) · Westfield Bank

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

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Matco Tools brand mark

Who funds Matco Tools — and where

Every dot is a financed Matco Tools — 18 mapped.

Financed Matco Tools locations — list all 18 as text

Top lenders for this brand

  1. 1.U.S. Bank, National Association(4)
  2. 2.Colony Bank(2)
  3. 3.Newtek Bank, National Association(2)
  4. 4.Newtek Small Business Finance, Inc. (2)
  5. 5.The Huntington National Bank(2)

Most active states

  1. 1.Nebraska (1 loans)
  2. 2.California (1 loans)
  3. 3.Texas (1 loans)
  4. 4.Oregon (1 loans)
  5. 5.Virginia (1 loans)
  6. 6.Colorado (1 loans)
  7. 7.Kentucky (1 loans)
  8. 8.Washington (1 loans)

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Common questions

How much does a Matco Tools cost to buy or open?

The typical deal for Matco Tools is $80K across 18 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $9K of buyer cash on a typical deal.

How risky is Matco Tools?

Matco Tools has 18 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 Matco Tools with an SBA loan?

Yes — Matco Tools has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Matco Tools franchise

Most Matco Tools 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 Matco Tools deal financed for $80K, which points to about $9K of buyer cash on a typical purchase. Matco Tools is listed in the SBA Franchise Directory (identifier S1088), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Matco Tools — 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 Matco Tools — 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 Matco Tools — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Matco Tools is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 18 SBA 7(a) deals since 2020
  • $80K typical deal
  • 5 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S1088)
  • Top lenders: U.S. Bank, National Association, Colony Bank, Newtek Bank, National Association

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/matco-tools
API:
https://www.capbench.com/api/public/franchises/matco-tools
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 Matco Tools.

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