Toro - Authorized Dealer Agreement, 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 S4433)
4 deals since 2020 · typical deal $2.6M
4
Deals since 2020
$2.6M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
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.
- 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 →
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- 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
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- 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 →
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- 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 →
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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
1.The Huntington National Bank(2)
- 2.Coosa Valley CU (1)
3.Pinnacle Bank(1)
Most active states
- 1.Michigan (2 loans)
- 2.Georgia (1 loans)
- 3.Virginia (1 loans)
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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
- 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 Toro - Authorized Dealer Agreement.