System4, 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 S1659)
15 deals since 2020 · typical deal $480K
15
Deals since 2020
$480K
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
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.
- 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 →
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- 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 →
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- 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 →
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Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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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)
- 2.Florida (3 loans)
- 3.Texas (2 loans)
- 4.Arizona (2 loans)
- 5.Kentucky (1 loans)
- 6.Colorado (1 loans)
- 7.Michigan (1 loans)
- 8.Pennsylvania (1 loans)
Represent System4?
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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
- 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 System4.