Merit Professional Coatings, 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 S7494)

2 deals since 2020 · typical deal $4.7M

Deals since 2020

$4.7M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Merit Professional Coatings has 2 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 Merit Professional Coatings

Most Merit Professional Coatings deals financed between $350K and $4.65M. Above $4.65M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$4.65M

Monthly payment (10-yr): $60,808
Down payment (10%): $517K
Cash to close (all-in): $715K

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 ~$715K)

Experience

Recent financings

MERIT PROFESSIONAL COATINGS in Tampa, FL — $4.7M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
144 mo (12 yrs)
SBA guaranteed
$3.5M (75%)
Approval → funding
20 days
Approved
9/8/2022
First disbursed
9/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$5.2M
Est. down payment (10%)
$517K
Est. cash at closing
$715K
Monthly payment
$49,699
Annual debt service
$596K
Cash flow needed (1.25×)
$745K
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 Live Oak Banking Company · Lender record →
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MERIT PROFESSIONAL COATINGS in Tampa, FL — $350K (2022) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
20 days
Approved
9/8/2022
First disbursed
9/28/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
29
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,200
Annual debt service
$50K
Cash flow needed (1.25×)
$63K
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 Live Oak Banking Company · Lender record →
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Who funds Merit Professional Coatings — and where

Every dot is a financed Merit Professional Coatings — 2 mapped.

Financed Merit Professional Coatings locations — list all 2 as text

MERIT PROFESSIONAL COATINGS — Tampa · $4.7M · FY2022 · All Other Specialty Trade Contractors
MERIT PROFESSIONAL COATINGS — Tampa · $350K · FY2022 · All Other Specialty Trade Contractors

Top lenders for this brand

1.Live Oak Banking Company(2)

Most active states

1.Florida (2 loans)

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Insider move

Start with the lenders above — a bank that's funded Merit Professional Coatings 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Merit Professional Coatings lending specialist.

Common questions

How much does a Merit Professional Coatings cost to buy or open?

The typical deal for Merit Professional Coatings is $4.7M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $512K of buyer cash on a typical deal.

How risky is Merit Professional Coatings?

Merit Professional Coatings has 2 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 Merit Professional Coatings with an SBA loan?

Yes — Merit Professional Coatings 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 Merit Professional Coatings franchise

Most Merit Professional Coatings 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 Merit Professional Coatings deal financed for $4.7M, which points to about $512K of buyer cash on a typical purchase. Merit Professional Coatings is listed in the SBA Franchise Directory (identifier S7494), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Merit Professional Coatings — 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 Merit Professional Coatings — 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 Merit Professional Coatings — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Merit Professional Coatings is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$4.7M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S7494)
Top lenders: Live Oak Banking Company

Next steps

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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/merit-professional-coatings
API:: https://www.capbench.com/api/public/franchises/merit-professional-coatings
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 Merit Professional Coatings.