Health & Medical · lender intelligence

How to finance a ARCpoint Labs

State:

The SBA 7(a) lenders funding the most ARCpoint Labs deals, ranked from public loan records — typical ARCpoint Labs loan about $222K, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance ARCpoint Labs

$222K

Typical loan

range $80K–$259K

$247K

Est. purchase price

≈ loan ÷ 90%

$32,992

Cash to close

$24,667 down + fees

$3,250/mo

Typical payment

~12.5% · 10yr

$44,850/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

8.43%

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 ARCpoint Labs

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.75 loans · $98M · Sioux Falls, SDFull record →
3.13 loans · $18M · Roseburg, ORFull record →
4.24 loans · $21M · Raleigh, NCFull record →
5.17 loans · $14M · Orlando, FLFull record →
6.105 loans · $164M · Brookline, MAFull record →
7.618 loans · $171M · Salt Lake City, UTFull record →
8.78 loans · $79M · New Orleans, LAFull record →
9.149 loans · $135M · Mukwonago, WIFull record →
10.242 loans · $281M · Chicago, ILFull record →

25+ funded ARCpoint Labs 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.

DuroCo, LLC in Green Bay, WI — $376K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$282K (75%)
Approval → funding
16 days
Approved
4/7/2025
First disbursed
4/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CAN Enterprises LLC in Las Vegas, NV — $114K (2025) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$97K (85%)
Approval → funding
6 days
Approved
10/1/2024
First disbursed
10/7/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$127K
Est. down payment (10%)
$13K
Est. cash at closing
$16K
Monthly payment
$1,368
Annual debt service
$16K
Cash flow needed (1.25×)
$21K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Live Healthy LLC in Indianapolis, IN — $80K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$60K (75%)
Approval → funding
9 days
Approved
3/4/2025
First disbursed
3/13/2025
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DuroCo, LLC in Green Bay, WI — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
289 days
Approved
4/7/2025
First disbursed
1/21/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Doc Business Enterprise Company in Miami, FL — $230K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$173K (75%)
Approval → funding
21 days
Approved
5/9/2024
First disbursed
5/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Doc Business Enterprise Company in Miami, FL — $30K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
5/9/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Live Healthy LLC in Indianpolis, IN — $275K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
5 days
Approved
7/14/2023
First disbursed
7/19/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Johnna Stotts Davis LLC in Marble Falls, TX — $259K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$194K (75%)
Approval → funding
8 days
Approved
9/7/2023
First disbursed
9/15/2023
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Evnic Labs, Inc. in North Richland Hills, TX — $250K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
20 days
Approved
1/10/2023
First disbursed
1/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
MJB Industries LLC in Saint Charles, MO — $183K (2023) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
123 months
SBA guaranteed
$137K (75%)
Approval → funding
86 days
Approved
8/27/2023
First disbursed
11/21/2023
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
5
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Johnna Stotts Davis LLC in Marble Falls, TX — $30K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
28 days
Approved
9/7/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Live Healthy LLC in Indianpolis, IN — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
24 days
Approved
7/14/2023
First disbursed
8/7/2023
Loan status
Delinquent
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories and Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Accurate Lab Test of Florida, Inc. in Fort Myers, FL — $1.1M (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
90 months
SBA guaranteed
$819K (75%)
Approval → funding
28 days
Approved
6/22/2022
First disbursed
7/20/2022
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
9
Business age
New Business or 2 years or less
Industry
Medical Laboratories
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Tesfa Corporation in Schaumburg, IL — $325K (2022) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
91 months
SBA guaranteed
$244K (75%)
Approval → funding
14 days
Approved
12/17/2021
First disbursed
12/31/2021
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
5
Business age
Change of Ownership
Industry
Medical Laboratories
If you were the buyer here
Est. deal size
$361K
Est. down payment (10%)
$36K
Est. cash at closing
$48K
Monthly payment
$4,454
Annual debt service
$53K
Cash flow needed (1.25×)
$67K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Global Biomed Laboratories, Inc. in Lynchburg, VA — $300K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
8 days
Approved
8/25/2022
First disbursed
9/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Research and Development in the Physical, Engineering, and L
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Cakecrumbs, Inc. in Rogers, MN — $275K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
11 days
Approved
9/12/2022
First disbursed
9/23/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Silver Moon Properties LLC in Yuba City, CA — $255K (2022) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$191K (75%)
Approval → funding
4 days
Approved
5/2/2022
First disbursed
5/6/2022
Loan status
Paid in full (12/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Medical Laboratories
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Silver Moon Holdings, Inc., a California corporation in Folsom, CA — $222K (2022) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$167K (75%)
Approval → funding
33 days
Approved
3/4/2022
First disbursed
4/6/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Legacy Labs LLC in Houston, TX — $125K (2022) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.884% variable
Term
120 mo (10 yrs)
SBA guaranteed
$63K (50%)
Approval → funding
13 days
Approved
4/22/2022
First disbursed
5/5/2022
Loan status
Paid in full (10/31/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Medical Laboratories
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Global Biomed Laboratories, Inc. in Lynchburg, VA — $30K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
8/25/2022
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Research and Development in the Physical, Engineering, and L
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a ARCpoint Labs? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to ARCpoint Labs businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a ARCpoint Labs 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. The Huntington National Bank funds the most. CapBench is not a lender.

$222K typical ARCpoint Labs loan
0% failure rate (FY20–23)
11 lenders fund the brand
20 days typical to fund

Buyers researching a ARCpoint Labs 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 ARCpoint Labs record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/arcpoint-labs
API:: https://www.capbench.com/api/public/lenders?franchise=arcpoint-labs
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.