Padgett Business Services, 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 S1263)
11 deals since 2020 · typical deal $435K
11
Deals since 2020
$435K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Padgett Business Services
Most Padgett Business Services deals financed between $350K and $795K. Above $795K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,687
- Down payment (10%)
- $48K
- Cash to close (all-in)
- $65K
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 ~$65K)
Experience
Recent financings
- PADGETT BUSINESS ADVISORS - INDIANAPOLIS, INC in Indianapolis, IN — $1.8M (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 20 days
- Approved
- 10/11/2024
- First disbursed
- 10/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Offices of Certified Public Accountants
Funded by United Midwest Savings Bank National Association · Lender record →
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- Northern Michigan Business Services, Inc in Traverse City, MI — $795K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $596K (75%)
- Approved
- 12/16/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Offices of Certified Public Accountants
Funded by United Midwest Savings Bank National Association · Lender record →
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- Dynamic Accounting, LLC in Fargo, ND — $775K (2024) · purchase · Town and Country CU
- Program
- 7a General
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $581K (75%)
- Approval → funding
- 31 days
- Approved
- 5/31/2024
- First disbursed
- 7/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Other Accounting Services
If you were the buyer here
- Est. deal size
- $861K
- Est. down payment (10%)
- $86K
- Est. cash at closing
- $118K
- Monthly payment
- $9,506
- Annual debt service
- $114K
- Cash flow needed (1.25×)
- $143K
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 Town and Country CU · Lender record →
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- Dynamic Accounting, LLC in Fargo, ND — $100K (2024) · purchase · Town and Country CU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 28 days
- Approved
- 6/3/2024
- First disbursed
- 7/1/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Offices of Certified Public Accountants
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,267
- Annual debt service
- $15K
- Cash flow needed (1.25×)
- $19K
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 Town and Country CU · Lender record →
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- Affinity Business Experts, Inc. in Kingston, NY — $435K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $326K (75%)
- Approval → funding
- 29 days
- Approved
- 5/31/2023
- First disbursed
- 6/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Accounting Services
Funded by Citizens Bank · Lender record →
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- Adservio, Inc. in Broomfield, CO — $415K (2022) · purchase · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 5 days
- Approved
- 1/26/2022
- First disbursed
- 1/31/2022
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Offices of Certified Public Accountants
If you were the buyer here
- Est. deal size
- $461K
- Est. down payment (10%)
- $46K
- Est. cash at closing
- $62K
- Monthly payment
- $4,351
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
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 United Midwest Savings Bank National Association · Lender record →
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- Padgett Advisors of Middle Tennessee Inc in Old Hickory, TN — $410K (2022) · purchase · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $308K (75%)
- Approval → funding
- 9 days
- Approved
- 9/24/2022
- First disbursed
- 10/3/2022
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Tax Preparation Services
If you were the buyer here
- Est. deal size
- $456K
- Est. down payment (10%)
- $46K
- Est. cash at closing
- $61K
- Monthly payment
- $5,083
- Annual debt service
- $61K
- Cash flow needed (1.25×)
- $76K
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 BayFirst National Bank · Lender record →
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- KGC Properties LLC in Frankfort, IL — $449K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $337K (75%)
- Approved
- 12/16/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Offices of Certified Public Accountants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KGC ACCOUNTING INC. in Frankfort, IL — $350K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 17 days
- Approved
- 9/13/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Offices of Certified Public Accountants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Darley Holdings LLC in Littleton, CO — $862K (2020) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 309 months
- SBA guaranteed
- $647K (75%)
- Approved
- 9/15/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Tax Preparation Services
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
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Who funds Padgett Business Services — and where
Every dot is a financed Padgett Business Services — 11 mapped.
Financed Padgett Business Services locations — list all 11 as text
- KGC Properties LLC — Frankfort · $449K · FY2021 · Offices of Certified Public Accountants
- Dynamic Accounting, LLC — Fargo · $775K · FY2024 · Other Accounting Services
- Dynamic Accounting, LLC — Fargo · $100K · FY2024 · Offices of Certified Public Accountants
- Darley Holdings LLC — Littleton · $862K · FY2020 · Tax Preparation Services
- Padgett Advisors of Middle Tennessee Inc — Old Hickory · $410K · FY2022 · Tax Preparation Services
- PADGETT BUSINESS ADVISORS - INDIANAPOLIS, INC — Indianapolis · $1.8M · FY2025 · Offices of Certified Public Accountants
- Northern Michigan Business Services, Inc — Traverse City · $795K · FY2025 · Offices of Certified Public Accountants
- Affinity Business Experts, Inc. — Kingston · $435K · FY2023 · Other Accounting Services
- 786s52 dba padgett business services llc — Cypress · $256K · FY2020 · Offices of Certified Public Accountants
- Adservio, Inc. — Broomfield · $415K · FY2022 · Offices of Certified Public Accountants
- KGC ACCOUNTING INC. — Frankfort · $350K · FY2021 · Offices of Certified Public Accountants
Top lenders for this brand
Most active states
- 1.Illinois (2 loans)
- 2.North Dakota (2 loans)
- 3.Colorado (2 loans)
- 4.Tennessee (1 loans)
- 5.Indiana (1 loans)
- 6.Michigan (1 loans)
- 7.New York (1 loans)
- 8.Texas (1 loans)
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Common questions
How much does a Padgett Business Services cost to buy or open?
The typical deal for Padgett Business Services is $435K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $48K of buyer cash on a typical deal.
How risky is Padgett Business Services?
Padgett Business Services has 11 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 Padgett Business Services with an SBA loan?
Yes — Padgett Business Services has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Padgett Business Services franchise
Most Padgett Business Services 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 Padgett Business Services deal financed for $435K, which points to about $48K of buyer cash on a typical purchase. Padgett Business Services is listed in the SBA Franchise Directory (identifier S1263), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Padgett Business Services — 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 Padgett Business Services — 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 Padgett Business Services — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Padgett Business Services is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 11 SBA 7(a) deals since 2020
- $435K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1263)
- Top lenders: United Midwest Savings Bank National Association, The Huntington National Bank, Town and Country CU
- 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.
- 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 Padgett Business Services.