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Top Rail Fence, 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 S7810)

27 deals since 2020 · typical deal $210K · 0% failure rate

27

Deals since 2020

$210K

Typical deal

15

Deals since FY2025

0%

Failure rate (FY20–23)

Top Rail Fence buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Top Rail Fence

Most Top Rail Fence deals financed between $50K and $246K. Above $246K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,105
Down payment (10%)
$23K
Cash to close (all-in)
$31K

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 ~$31K)

Experience

Recent financings

  • Southeast Project Group, Inc. in Cumming, GA — $315K (2026) · Celtic Bank Corporation
  • Top Rail Fence St. Paul in Saint Paul, MN — $251K (2026) · First Bank of the Lake
  • New England Service Brands LLC in Newburyport, MA — $246K (2026) · Magnifi Financial CU
  • New England Service Brands LLC in Newburyport, MA — $246K (2026) · Magnifi Financial CU
  • Five Star Bath Solutions of South Jersey in Media, PA — $421K (2025) · First Bank of the Lake
  • Equity Brands, LLC in Kansas City, MO — $282K (2025) · The Huntington National Bank
  • Top Tail Fence Oklahoma City in Edmond, OK — $264K (2025) · First Bank of the Lake
  • KY Enterprise Fencing LLC in Louisville, KY — $249K (2025) · The Huntington National Bank
  • Top Rail Fence Phoenixville in Phoenixville, PA — $225K (2025) · First Bank of the Lake
  • Thermalcore LLC in San Antonio, TX — $212K (2025) · First Commonwealth Bank

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

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Top Rail Fence brand mark

Who funds Top Rail Fence — and where

Every dot is a financed Top Rail Fence — 27 mapped.

Financed Top Rail Fence locations — list all 27 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(14)
  2. 2.First Bank of the Lake(5)
  3. 3.United Midwest Savings Bank National Association(2)
  4. 4.Magnifi Financial CU(2)
  5. 5.Celtic Bank Corporation(1)

Most active states

  1. 1.Ohio (4 loans)
  2. 2.Georgia (3 loans)
  3. 3.Texas (3 loans)
  4. 4.Missouri (3 loans)
  5. 5.Minnesota (2 loans)
  6. 6.Kentucky (2 loans)
  7. 7.Massachusetts (2 loans)
  8. 8.Idaho (2 loans)

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Common questions

How much does a Top Rail Fence cost to buy or open?

The typical deal for Top Rail Fence is $210K across 27 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $23K of buyer cash on a typical deal.

How risky is Top Rail Fence?

0% of Top Rail Fence's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Top Rail Fence with an SBA loan?

Yes — Top Rail Fence has been SBA-financed 15 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Top Rail Fence franchise

Most Top Rail Fence 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 Top Rail Fence deal financed for $210K, which points to about $23K of buyer cash on a typical purchase. Top Rail Fence is listed in the SBA Franchise Directory (identifier S7810), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Top Rail Fence — 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 Top Rail Fence — 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 Top Rail Fence — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Top Rail Fence is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 27 SBA 7(a) deals since 2020
  • $210K typical deal
  • 15 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S7810)
  • Top lenders: The Huntington National Bank, First Bank of the Lake, United Midwest Savings Bank National Association

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/top-rail-fence
API:
https://www.capbench.com/api/public/franchises/top-rail-fence
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 Top Rail Fence.

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