Business Services · lender intelligence

How to finance a 1-800-GOT-JUNK?

State:

The SBA 7(a) lenders funding the most 1-800-GOT-JUNK? deals, ranked from public loan records — typical 1-800-GOT-JUNK? loan about $213K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance 1-800-GOT-JUNK?

$213K

Typical loan

range $182K–$270K

$237K

Est. purchase price

≈ loan ÷ 90%

$31,655

Cash to close

$23,667 down + fees

$3,118/mo

Typical payment

~12.5% · 10yr

$43,028/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

55 days

Typical time to fund

Lenders competing

more = leverage

5.83%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with 1-800-GOT-JUNK?

Ranked by funded 1-800-GOT-JUNK? loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.5 loans · $3M · Edina, MNFull record →
2.62 loans · $26M · Oklahoma City, OKFull record →
3.1 loans · $1M · Lincoln, NEFull record →
4.1,025 loans · $292M · Berkeley Heights, NJFull record →

6+ funded 1-800-GOT-JUNK? deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

1-800-GOT-JUNK? CHATTANOOGA in Chattanooga, TN — $270K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
9 days
Approved
9/23/2023
First disbursed
10/2/2023
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Used Household and Office Goods Moving
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Twin Cities Junk Hauling, LLC in Minneapolis, MN — $213K (2021) · Scale Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
42 months
SBA guaranteed
$160K (75%)
Approval → funding
0 days
Approved
2/1/2021
First disbursed
2/1/2021
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous Waste Management Services
Funded by Scale Bank · Lender record →
Your business? Claim this record · Request removal
SIXL SERVICES, LLC in Bixby, OK — $200K (2021) · BancFirst
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$180K (90%)
Approval → funding
83 days
Approved
3/10/2021
First disbursed
6/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Solid Waste Collection
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
Twin Cities Junk Hauling, LLC in Minneapolis, MN — $182K (2021) · Scale Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$136K (75%)
Approval → funding
0 days
Approved
8/4/2021
First disbursed
8/4/2021
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous Waste Management Services
Funded by Scale Bank · Lender record →
Your business? Claim this record · Request removal
Twin Cities Junk Hauling, LLC in Minneapolis, MN — $147K (2021) · Scale Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
42 months
SBA guaranteed
$110K (75%)
Approval → funding
0 days
Approved
2/1/2021
First disbursed
2/1/2021
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous Waste Management Services
Funded by Scale Bank · Lender record →
Your business? Claim this record · Request removal
Go Green Tampa LLC in Tampa, FL — $1.6M (2020) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
55 days
Approved
7/7/2020
First disbursed
8/31/2020
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
All Other Miscellaneous Waste Management Services
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$180K
Est. cash at closing
$247K
Monthly payment
$16,985
Annual debt service
$204K
Cash flow needed (1.25×)
$255K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal

Buying a 1-800-GOT-JUNK?? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to 1-800-GOT-JUNK? businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a 1-800-GOT-JUNK? purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Scale Bank funds the most. CapBench is not a lender.

$213K typical 1-800-GOT-JUNK? loan
4 lenders fund the brand
55 days typical to fund

Buyers researching a 1-800-GOT-JUNK? typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker 1-800-GOT-JUNK? record

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/lenders/franchise/1-800-got-junk
API:: https://www.capbench.com/api/public/lenders?franchise=1-800-got-junk
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.