Franchise · lender intelligence

How to finance a Aaron's

State:

The SBA 7(a) lenders funding the most Aaron's deals, ranked from public loan records — typical Aaron's loan about $404K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Aaron's

$404K

Typical loan

range $195K–$1.13M

$448K

Est. purchase price

≈ loan ÷ 90%

$59,979

Cash to close

$44,844 down + fees

$5,222/mo

Typical payment

~9.5% · 10yr

$72,064/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

33 days

Typical time to fund

Lenders competing

more = leverage

5.38%

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 Aaron's

Ranked by funded Aaron's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.20 loans · $8M · Saint Petersburg, FLFull record →
2.105 loans · $164M · Brookline, MAFull record →
3.2 loans · $1M · Pana, ILFull record →

7+ funded Aaron's 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.

RANSOME RENTS, L.L.C. in Eufaula, AL — $195K (2022) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$146K (75%)
Approval → funding
24 days
Approved
2/11/2022
First disbursed
3/7/2022
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
General Rental Centers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
HPH Investments, LLC in Dothan, AL — $4.0M (2021) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.6M (90%)
Approved
9/27/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Consumer Electronics and Appliances Rental
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Madison Capital Investments Inc. in Easton, PA — $1.1M (2021) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
239 months
SBA guaranteed
$1.0M (90%)
Approval → funding
0 days
Approved
6/30/2021
First disbursed
6/30/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
Existing or more than 2 years old
Industry
Consumer Electronics and Appliances Rental
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Dunning Partners, LLC in Eatonton, GA — $934K (2021) · Peoples Bank & Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$467K (50%)
Approval → funding
87 days
Approved
7/2/2021
First disbursed
9/27/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
General Rental Centers
Funded by Peoples Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Jersey Leases, LLC in Moultrie, GA — $404K (2021) · Commercial Banking Company
Program
7a General
Rate at approval
4.65% variable
Term
120 mo (10 yrs)
SBA guaranteed
$363K (90%)
Approval → funding
33 days
Approved
9/29/2021
First disbursed
11/1/2021
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Consumer Electronics and Appliances Rental
Funded by Commercial Banking Company
Your business? Claim this record · Request removal
RANSOME RENTS LLC in Eufaula, AL — $350K (2021) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
101 months
SBA guaranteed
$315K (90%)
Approval → funding
19 days
Approved
9/10/2021
First disbursed
9/29/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
General Rental Centers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Madison Capital Investments Inc. in Easton, PA — $150K (2021) · Beacon Bank and Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
157 months
SBA guaranteed
$113K (75%)
Approval → funding
0 days
Approved
6/30/2021
First disbursed
6/30/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Existing or more than 2 years old
Industry
Consumer Electronics and Appliances Rental
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal

Buying a Aaron's? 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 Aaron's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Aaron's 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. BayFirst National Bank funds the most. CapBench is not a lender.

$404K typical Aaron's loan
4 lenders fund the brand
33 days typical to fund

Buyers researching a Aaron's 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 Aaron's 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/aaron-s
API:: https://www.capbench.com/api/public/lenders?franchise=aaron-s
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.