System4, by the numbers

System4 appears in 15 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S1659)

15 deals since 2020 · typical deal $480K

Deals since 2020

$480K

Typical deal

Deals since FY2025

—

Too few deals to score risk

System4 has 15 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 System4

Most System4 deals financed between $268K and $1.82M. Above $1.82M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$480K

Monthly payment (10-yr): $6,272
Down payment (10%): $53K
Cash to close (all-in): $71K

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 ~$71K)

Experience

Recent financings

PLUM BEACH PARTNERS LLC in North Kingstown, RI — $2.6M (2026) · purchase · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approved
1/6/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$289K
Est. cash at closing
$399K
Monthly payment
$29,522
Annual debt service
$354K
Cash flow needed (1.25×)
$443K
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 Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $2.6M (2026) · purchase · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
36 days
Approved
1/7/2026
First disbursed
2/12/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$289K
Est. cash at closing
$399K
Monthly payment
$29,522
Annual debt service
$354K
Cash flow needed (1.25×)
$443K
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 Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
WaxWing Holdings Inc in Scottsdale, AZ — $1.8M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.03% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$202K
Est. cash at closing
$279K
Monthly payment
$22,135
Annual debt service
$266K
Cash flow needed (1.25×)
$332K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $400K (2026) · purchase · Webster Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approved
1/6/2026
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,542
Annual debt service
$55K
Cash flow needed (1.25×)
$68K
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 Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $400K (2026) · purchase · Webster Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approval → funding
46 days
Approved
1/8/2026
First disbursed
2/23/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,542
Annual debt service
$55K
Cash flow needed (1.25×)
$68K
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 Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
WaxWing Holdings Inc in Phoenix, AZ — $200K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
1/29/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,561
Annual debt service
$31K
Cash flow needed (1.25×)
$38K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Azimuth Ventures LLC in Cedar Hill, TX — $480K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approval → funding
15 days
Approved
6/17/2024
First disbursed
7/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Janitorial Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
System 4 in Ft Wright, KY — $1.1M (2023) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$851K (75%)
Approval → funding
13 days
Approved
1/24/2023
First disbursed
2/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$126K
Est. cash at closing
$173K
Monthly payment
$15,315
Annual debt service
$184K
Cash flow needed (1.25×)
$230K
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
KLH MANAGEMENT GROUP LLC in Jacksonville Beach, FL — $200K (2023) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
8 days
Approved
2/16/2023
First disbursed
2/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Carpet and Upholstery Cleaning Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Covalent Facility Management, Inc. in Aurora, CO — $2.1M (2022) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
17 days
Approved
5/20/2022
First disbursed
6/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
Change of Ownership
Industry
All Other Professional, Scientific, and Technical Services
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$231K
Est. cash at closing
$318K
Monthly payment
$22,563
Annual debt service
$271K
Cash flow needed (1.25×)
$338K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds System4 — and where

Every dot is a financed System4 — 15 mapped.

Financed System4 locations — list all 15 as text

System 4 — Ft Wright · $1.1M · FY2023 · Janitorial Services
KLH MANAGEMENT GROUP LLC — Jacksonville Beach · $200K · FY2023 · Carpet and Upholstery Cleaning Services
Azimuth Ventures LLC — Cedar Hill · $480K · FY2024 · Janitorial Services
PLUM BEACH PARTNERS LLC — North Kingstown · $400K · FY2026 · All Other Personal Services
PLUM BEACH PARTNERS LLC — North Kingstown · $2.6M · FY2026 · All Other Personal Services
PLUM BEACH PARTNERS LLC — North Kingstown · $2.6M · FY2026 · All Other Personal Services
PLUM BEACH PARTNERS LLC — North Kingstown · $400K · FY2026 · All Other Personal Services
WaxWing Holdings Inc — Phoenix · $200K · FY2026 · All Other Personal Services
WaxWing Holdings Inc — Scottsdale · $1.8M · FY2026 · All Other Personal Services
Covalent Facility Management, Inc. — Aurora · $2.1M · FY2022 · All Other Professional, Scientific, and Technical Services
BORRERO FACILITY SERVICES MANAGEMENT, LLC — Orlando · $268K · FY2022 · Carpet and Upholstery Cleaning Services
KMW FACILITY SERVICES LLC — Wolverine Lake · $195K · FY2020 · Janitorial Services
C & R Resources LLC — Humble · $490K · FY2022 · Janitorial Services
Atlantic Shore Group LLC — Port Orange · $327K · FY2022 · Carpet and Upholstery Cleaning Services
Schoon Inc — Kennett Square · $481K · FY2021 · Janitorial Services

Top lenders for this brand

1.Citizens Bank(6)
2.Webster Bank National Association(4)
3.The Huntington National Bank(2)
4.Newtek Small Business Finance, Inc. (1)
5.Stearns Bank National Association(1)

Most active states

1.Rhode Island (4 loans)System4 lenders in Rhode Island->
2.Florida (3 loans)System4 lenders in Florida->
3.Texas (2 loans)System4 lenders in Texas->
4.Arizona (2 loans)System4 lenders in Arizona->
5.Kentucky (1 loans)System4 lenders in Kentucky->
6.Colorado (1 loans)System4 lenders in Colorado->
7.Michigan (1 loans)System4 lenders in Michigan->
8.Pennsylvania (1 loans)System4 lenders in Pennsylvania->

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Insider move

Start with the lenders above — a bank that's funded System4 6 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 System4 lending specialist.

Common questions

How much does a System4 cost to buy or open?

The typical deal for System4 is $480K across 15 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $53K of buyer cash on a typical deal.

How risky is System4?

System4 has 15 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 System4 with an SBA loan?

Yes — System4 has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a System4 franchise

Most System4 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 System4 deal financed for $480K, which points to about $53K of buyer cash on a typical purchase. System4 is listed in the SBA Franchise Directory (identifier S1659), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund System4 — 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 System4 — 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 System4 — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. System4 is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

15 SBA 7(a) deals since 2020
$480K typical deal
6 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1659)
Top lenders: Citizens Bank, Webster Bank National Association, The Huntington National Bank

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 2026-07-31.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/system4
API:: https://www.capbench.com/api/public/franchises/system4
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 System4.