Our Town America, 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 S1228)

2 deals since 2020 · typical deal $628K

Deals since 2020

$628K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Our Town America 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 Our Town America

Most Our Town America deals financed between $100K and $628K. Above $628K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$628K

Monthly payment (10-yr): $8,215
Down payment (10%): $70K
Cash to close (all-in): $93K

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 ~$93K)

Experience

Recent financings

CR CONSULTANTS, LLC in Waxhaw, NC — $628K (2022) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$471K (75%)
Approval → funding
25 days
Approved
6/6/2022
First disbursed
7/1/2022
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Marketing Consulting Services
If you were the buyer here
Est. deal size
$698K
Est. down payment (10%)
$70K
Est. cash at closing
$93K
Monthly payment
$6,896
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 Customers Bank · Lender record →
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DOGWOOD PROFESSIONAL SERVICES LLC in Livingston, NJ — $100K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
87 months
SBA guaranteed
$85K (85%)
Approval → funding
3 days
Approved
8/28/2020
First disbursed
8/31/2020
Loan status
Failed — $81K charged off (12/19/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
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Who funds Our Town America — and where

Every dot is a financed Our Town America — 2 mapped.

Financed Our Town America locations — list all 2 as text

DOGWOOD PROFESSIONAL SERVICES LLC — Livingston · $100K · FY2020 · Marketing Consulting Services
CR CONSULTANTS, LLC — Waxhaw · $628K · FY2022 · Marketing Consulting Services

Top lenders for this brand

Most active states

1.New Jersey (1 loans)
2.North Carolina (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Our Town America 1 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 Our Town America lending specialist.

Common questions

How much does a Our Town America cost to buy or open?

The typical deal for Our Town America is $628K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $69K of buyer cash on a typical deal.

How risky is Our Town America?

Our Town America 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 Our Town America with an SBA loan?

Yes — Our Town America 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 Our Town America franchise

Most Our Town America 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 Our Town America deal financed for $628K, which points to about $69K of buyer cash on a typical purchase. Our Town America is listed in the SBA Franchise Directory (identifier S1228), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Our Town America — 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 Our Town America — 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 Our Town America — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Our Town America 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
$628K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1228)
Top lenders: United Midwest Savings Bank National Association, Customers Bank

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/our-town-america
API:: https://www.capbench.com/api/public/franchises/our-town-america
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 Our Town America.