Pop-A-Lock, 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 S1333)

5 deals since 2020 · typical deal $2.1M

Deals since 2020

$2.1M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Pop-A-Lock has 5 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 Pop-A-Lock

Most Pop-A-Lock deals financed between $398K and $2.11M. Above $2.11M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.07M

Monthly payment (10-yr): $27,096
Down payment (10%): $230K
Cash to close (all-in): $317K

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 ~$317K)

Experience

Recent financings

Asheville Locksmith LLC in Hendersonville, NC — $398K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$299K (75%)
Approval → funding
10 days
Approved
1/28/2025
First disbursed
2/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Locksmiths
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
St Michael Security LLC in Carencro, LA — $2.1M (2023) · Gulf Coast Bank
Program
7a General
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$1.6M (75%)
Approval → funding
33 days
Approved
3/29/2023
First disbursed
5/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Locksmiths
Funded by Gulf Coast Bank · Lender record →
Your business? Claim this record · Request removal
NAVYA HOSPITALITY LLC in Ardmore, OK — $2.7M (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
54 days
Approved
7/8/2020
First disbursed
8/31/2020
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$301K
Est. cash at closing
$416K
Monthly payment
$17,480
Annual debt service
$210K
Cash flow needed (1.25×)
$262K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Rebel Locks Inc. in Las Vegas, NV — $2.1M (2020) · purchase · Western Alliance Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
42 days
Approved
11/19/2019
First disbursed
12/31/2019
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$235K
Est. cash at closing
$324K
Monthly payment
$23,479
Annual debt service
$282K
Cash flow needed (1.25×)
$352K
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 Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
Rebel Locks Inc. in Las Vegas, NV — $100K (2020) · purchase · Western Alliance Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
163 days
Approved
11/19/2019
First disbursed
4/30/2020
Loan status
Paid in full (12/31/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,546
Annual debt service
$19K
Cash flow needed (1.25×)
$23K
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 Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal

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

One of these businesses yours? Claim your listing or request removal.

Free · No documents · Usually same-day

Serious about buying a Pop-A-Lock?

Get qualified with a franchise lending specialist before discovery day — know your number first.

Who funds Pop-A-Lock — and where

Every dot is a financed Pop-A-Lock — 5 mapped.

Financed Pop-A-Lock locations — list all 5 as text

NAVYA HOSPITALITY LLC — Ardmore · $2.7M · FY2020 · Hotels (except Casino Hotels) and Motels
Asheville Locksmith LLC — Hendersonville · $398K · FY2025 · Locksmiths
St Michael Security LLC — Carencro · $2.1M · FY2023 · Locksmiths
Rebel Locks Inc. — Las Vegas · $2.1M · FY2020 · Locksmiths
Rebel Locks Inc. — Las Vegas · $100K · FY2020 · Locksmiths

Top lenders for this brand

Most active states

1.Nevada (2 loans)
2.Oklahoma (1 loans)
3.North Carolina (1 loans)
4.Louisiana (1 loans)

Represent Pop-A-Lock?

Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing

Insider move

Start with the lenders above — a bank that's funded Pop-A-Lock 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 Pop-A-Lock lending specialist.

Common questions

How much does a Pop-A-Lock cost to buy or open?

The typical deal for Pop-A-Lock is $2.1M across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $228K of buyer cash on a typical deal.

How risky is Pop-A-Lock?

Pop-A-Lock has 5 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 Pop-A-Lock with an SBA loan?

Yes — Pop-A-Lock has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Pop-A-Lock franchise

Most Pop-A-Lock 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 Pop-A-Lock deal financed for $2.1M, which points to about $228K of buyer cash on a typical purchase. Pop-A-Lock is listed in the SBA Franchise Directory (identifier S1333), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Pop-A-Lock — 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 Pop-A-Lock — 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 Pop-A-Lock — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Pop-A-Lock is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$2.1M typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1333)
Top lenders: Western Alliance Bank, Celtic Bank Corporation, U.S. Bank, National Association

Next steps

Check SBA fit Find 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/pop-a-lock
API:: https://www.capbench.com/api/public/franchises/pop-a-lock
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.

Still have questions about buying a Pop-A-Lock?

Five minutes with a specialist who's seen Pop-A-Lock deals close answers more than an hour of searching. Free, usually same-day.

Represent Pop-A-Lock?

Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing Request removal

CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Pop-A-Lock.