Toro - Authorized Dealer Agreement, by the numbers

Toro - Authorized Dealer Agreement appears in 4 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 S4433)

4 deals since 2020 · typical deal $2.6M

Deals since 2020

$2.6M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Toro - Authorized Dealer Agreement has 4 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 Toro - Authorized Dealer Agreement

Most Toro - Authorized Dealer Agreement deals financed between $1.21M and $3.17M. Above $3.17M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.64M

Monthly payment (10-yr): $34,493
Down payment (10%): $293K
Cash to close (all-in): $404K

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 ~$404K)

Experience

Recent financings

Sowers Machinery Co., Inc. in Christiansburg, VA — $3.2M (2022) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
9 days
Approved
12/1/2021
First disbursed
12/10/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Outdoor Power Equipment Stores
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Tractors, Inc. in Cartersville, GA — $2.6M (2022) · Coosa Valley CU
Program
7a General
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
49 days
Approved
10/12/2021
First disbursed
11/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Other Miscellaneous Nondurable Goods Merchant Wholesalers
Funded by Coosa Valley CU
Your business? Claim this record · Request removal
Chippewa Property Holdings LLC in Grand Rapids, MI — $1.2M (2020) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$909K (75%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
General Rental Centers
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$135K
Est. cash at closing
$185K
Monthly payment
$7,625
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
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
Allen Family Enterprises LLC in Grand Rapids, MI — $75K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
General Rental Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds Toro - Authorized Dealer Agreement — and where

Every dot is a financed Toro - Authorized Dealer Agreement — 4 mapped.

Financed Toro - Authorized Dealer Agreement locations — list all 4 as text

Chippewa Property Holdings LLC — Grand Rapids · $1.2M · FY2020 · General Rental Centers
Allen Family Enterprises LLC — Grand Rapids · $75K · FY2020 · General Rental Centers
Tractors, Inc. — Cartersville · $2.6M · FY2022 · Other Miscellaneous Nondurable Goods Merchant Wholesalers
Sowers Machinery Co., Inc. — Christiansburg · $3.2M · FY2022 · Outdoor Power Equipment Stores

Top lenders for this brand

Most active states

1.Michigan (2 loans)Toro - Authorized Dealer Agreement lenders in Michigan->
2.Georgia (1 loans)Toro - Authorized Dealer Agreement lenders in Georgia->
3.Virginia (1 loans)Toro - Authorized Dealer Agreement lenders in Virginia->

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Insider move

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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 Toro - Authorized Dealer Agreement lending specialist.

Common questions

How much does a Toro - Authorized Dealer Agreement cost to buy or open?

The typical deal for Toro - Authorized Dealer Agreement is $2.6M across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $290K of buyer cash on a typical deal.

How risky is Toro - Authorized Dealer Agreement?

Toro - Authorized Dealer Agreement has 4 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 Toro - Authorized Dealer Agreement with an SBA loan?

Yes — Toro - Authorized Dealer Agreement 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 Toro - Authorized Dealer Agreement franchise

Most Toro - Authorized Dealer Agreement 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 Toro - Authorized Dealer Agreement deal financed for $2.6M, which points to about $290K of buyer cash on a typical purchase. Toro - Authorized Dealer Agreement is listed in the SBA Franchise Directory (identifier S4433), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Toro - Authorized Dealer Agreement — 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 Toro - Authorized Dealer Agreement — 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 Toro - Authorized Dealer Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Toro - Authorized Dealer Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

4 SBA 7(a) deals since 2020
$2.6M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S4433)
Top lenders: The Huntington National Bank, Coosa Valley CU, Pinnacle Bank

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-27.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/toro-authorized-dealer-agreement
API:: https://www.capbench.com/api/public/franchises/toro-authorized-dealer-agreement
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 Toro - Authorized Dealer Agreement.