Shack Shine, 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 S2478)
8 deals since 2020 · typical deal $150K
8
Deals since 2020
$150K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Shack Shine
Most Shack Shine deals financed between $150K and $410K. Above $410K, 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
- SSCN, LLC in Glenview, IL — $410K (2024) · purchase · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $307K (75%)
- Approval → funding
- 9 days
- Approved
- 3/6/2024
- First disbursed
- 3/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
- Est. deal size
- $455K
- Est. down payment (10%)
- $46K
- Est. cash at closing
- $61K
- Monthly payment
- $4,861
- Annual debt service
- $58K
- Cash flow needed (1.25×)
- $73K
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 Old National Bank · Lender record →
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- L&C VENTURES LLC in Lakewood, CO — $193K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $145K (75%)
- Approval → funding
- 7 days
- Approved
- 11/14/2023
- First disbursed
- 11/21/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
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- SSCN, LLC in Glenview, IL — $150K (2024) · purchase · Old National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 9 days
- Approved
- 3/6/2024
- First disbursed
- 3/15/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $2,024
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $30K
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 Old National Bank · Lender record →
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- Blackwell Homes Services, Inc. in Ormond Beach, FL — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 4/16/2024
- First disbursed
- 4/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by BayFirst National Bank · Lender record →
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- L&C VENTURES LLC in Lakewood, CO — $20K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approved
- 11/14/2023
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
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- Tyler Ventures LLC in Tampa, FL — $469K (2021) · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 3.5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $422K (90%)
- Approval → funding
- 28 days
- Approved
- 9/2/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Other Personal and Household Goods Repair and Maintenance
Funded by Republic Bank & Trust Company · Lender record →
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- My 3 Sons LLC in Humble, TX — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 0 days
- Approved
- 12/11/2020
- First disbursed
- 12/11/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by United Midwest Savings Bank National Association · Lender record →
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- B&R House Services LLC in Chantilly, VA — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 14 days
- Approved
- 8/17/2021
- First disbursed
- 8/31/2021
- 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 Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
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Who funds Shack Shine — and where
Every dot is a financed Shack Shine — 8 mapped.
Financed Shack Shine locations — list all 8 as text
- My 3 Sons LLC — Humble · $150K · FY2021 · Residential Remodelers
- SSCN, LLC — Glenview · $410K · FY2024 · Other Personal and Household Goods Repair and Maintenance
- SSCN, LLC — Glenview · $150K · FY2024 · Other Personal and Household Goods Repair and Maintenance
- Blackwell Homes Services, Inc. — Ormond Beach · $150K · FY2024 · Other Services to Buildings and Dwellings
- L&C VENTURES LLC — Lakewood · $193K · FY2024 · Other Services to Buildings and Dwellings
- L&C VENTURES LLC — Lakewood · $20K · FY2024 · Other Services to Buildings and Dwellings
- B&R House Services LLC — Chantilly · $150K · FY2021 · Other Services to Buildings and Dwellings
- Tyler Ventures LLC — Tampa · $469K · FY2021 · Other Personal and Household Goods Repair and Maintenance
Top lenders for this brand
Most active states
- 1.Illinois (2 loans)
- 2.Florida (2 loans)
- 3.Colorado (2 loans)
- 4.Texas (1 loans)
- 5.Virginia (1 loans)
Represent Shack Shine?
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Common questions
How much does a Shack Shine cost to buy or open?
The typical deal for Shack Shine is $150K across 8 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 Shack Shine?
Shack Shine has 8 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 Shack Shine with an SBA loan?
Yes — Shack Shine 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 Shack Shine franchise
Most Shack Shine 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 Shack Shine deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Shack Shine is listed in the SBA Franchise Directory (identifier S2478), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Shack Shine — 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 Shack Shine — 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 Shack Shine — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Shack Shine is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 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 S2478)
- Top lenders: United Midwest Savings Bank National Association, Old National Bank, The Huntington National Bank
- 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 Shack Shine.