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Payroll Vault, 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 S2043)

9 deals since 2020 · typical deal $150K

9

Deals since 2020

$150K

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Payroll Vault has 9 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 Payroll Vault

Most Payroll Vault deals financed between $120K and $150K. Above $150K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,218
Down payment (10%)
$17K
Cash to close (all-in)
$21K

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 ~$21K)

Experience

Recent financings

  • BUSINESS PAYROLL AND EMPLOYMENT SOLUTIONS, LLC in Penn Yan, NY — $150K (2024) · United Midwest Savings Bank National Association
  • Subvect Solutions Inc in Frisco, TX — $150K (2024) · United Midwest Savings Bank National Association
  • RVA Payroll Solutions, LLC in Henrico, VA — $150K (2022) · United Midwest Savings Bank National Association
  • J&J BUSINESS SERVICES LLC in Edison, NJ — $80K (2022) · United Midwest Savings Bank National Association
  • Out West Business Services LLC in Fort Collins, CO — $325K (2021) · InBank
  • BABYBIRD LLC in Farmington Hills, MI — $150K (2021) · United Midwest Savings Bank National Association
  • 3 Diamonds Business Solutions LLC in Havertown, PA — $125K (2021) · BHCU D/B/A Propell Credit Union
  • Haynes Group Consulting LLC in Argyle, TX — $100K (2021) · Readycap Lending, LLC
  • Mukendi Group, LLC in Snellville, GA — $120K (2020) · United Midwest Savings Bank National Association

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

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Payroll Vault brand mark

Who funds Payroll Vault — and where

Every dot is a financed Payroll Vault — 9 mapped.

Financed Payroll Vault locations — list all 9 as text

Top lenders for this brand

  1. 1.United Midwest Savings Bank National Association(6)
  2. 2.BHCU D/B/A Propell Credit Union(1)
  3. 3.InBank(1)
  4. 4.Readycap Lending, LLC(1)

Most active states

  1. 1.Texas (2 loans)
  2. 2.Pennsylvania (1 loans)
  3. 3.Michigan (1 loans)
  4. 4.Colorado (1 loans)
  5. 5.New York (1 loans)
  6. 6.Georgia (1 loans)
  7. 7.New Jersey (1 loans)
  8. 8.Virginia (1 loans)

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Common questions

How much does a Payroll Vault cost to buy or open?

The typical deal for Payroll Vault is $150K across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

How risky is Payroll Vault?

Payroll Vault has 9 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 Payroll Vault with an SBA loan?

Yes — Payroll Vault 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 Payroll Vault franchise

Most Payroll Vault 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 Payroll Vault deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Payroll Vault is listed in the SBA Franchise Directory (identifier S2043), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Payroll Vault — 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 Payroll Vault — 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 Payroll Vault — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Payroll Vault is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 9 SBA 7(a) deals since 2020
  • $150K typical deal
  • 0 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S2043)
  • Top lenders: United Midwest Savings Bank National Association, BHCU D/B/A Propell Credit Union, InBank

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/payroll-vault
API:
https://www.capbench.com/api/public/franchises/payroll-vault
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 Payroll Vault.

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