Home & Trade Services · lender intelligence
How to finance a Benjamin Franklin Plumbing
The SBA 7(a) lenders funding the most Benjamin Franklin Plumbing deals, ranked from public loan records — typical Benjamin Franklin Plumbing loan about $300K, 0% failure rate across 40 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Benjamin Franklin Plumbing
$300K
Typical loan
range $249K–$350K
$333K
Est. purchase price
≈ loan ÷ 90%
$44,583
Cash to close
$33,333 down + fees
$4,133/mo
Typical payment
~11% · 10yr
$57,035/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
15
Lenders competing
more = leverage
10.21%
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 Benjamin Franklin Plumbing
Ranked by funded Benjamin Franklin Plumbing loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.575 loans · $220M · De Graff, OHFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.318 loans · $229M · Osage Beach, MOFull record →
- 4.70 loans · $22M · Melrose, MNFull record →
- 5.1,296 loans · $1.4B · Wilmington, NCFull record →
- 6.138 loans · $276M · Sioux Falls, SDFull record →
- 7.3 loans · $1M · West Memphis, ARFull record →
- 8.116 loans · $120M · Evansville, INFull record →
- 9.1 loans · $1M · Springfield, MOFull record →
- 10.149 loans · $135M · Mukwonago, WIFull record →
- 11.105 loans · $51M · Fitzgerald, GAFull record →
- 12.34 loans · $57M · Charlotte, NCFull record →
- 13.154 loans · $26M · San Diego, CAFull record →
- 14.62 loans · $34M · Winter Haven, FLFull record →
40+ funded Benjamin Franklin Plumbing 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.
- Benjamin Franklin Plumbing in Silverthorne, CO — $1.3M (2026) · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $942K (75%)
- Approval → funding
- 20 days
- Approved
- 1/16/2026
- First disbursed
- 2/5/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Pathward National Association · Lender record →
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- NJ PLUMBING SERVICES, INC. in Columbus, OH — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 43 days
- Approved
- 11/13/2025
- First disbursed
- 12/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Coastline Home Pros Inc. in San Clemente, CA — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 12/29/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Blackridge Home Services Group, LLC in Atlanta, GA — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Finno Minnow Dobis Aromis LLC in Madison, WI — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Phillip Tolleson Plumbing LLC in Baytown, TX — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Twilight Nine LLC in Metairie, LA — $320K (2026) · purchase · Fidelity Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $160K (50%)
- Approval → funding
- 2 days
- Approved
- 3/9/2026
- First disbursed
- 3/11/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $355K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $3,712
- Annual debt service
- $45K
- Cash flow needed (1.25×)
- $56K
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 Fidelity Bank · Lender record →
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- Key Capital and Acquisitions LLC in Garden City, GA — $300K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 11/28/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- AKB Ventures, LLC in Alpharetta, GA — $115K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $98K (85%)
- Approval → funding
- 26 days
- Approved
- 1/9/2026
- First disbursed
- 2/4/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Live Oak Banking Company · Lender record →
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- 710 W. Carmen, LLC in Tucson, AZ — $968K (2025) · America First FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $726K (75%)
- Approval → funding
- 4 days
- Approved
- 9/11/2025
- First disbursed
- 9/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by America First FCU
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- WI Plumbing LLC in Sturtevant, WI — $455K (2025) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.3% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 15 days
- Approved
- 6/5/2025
- First disbursed
- 6/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Old National Bank · Lender record →
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- Flowgent Plumbing Inc. dba BENJAMIN FRANKLIN PLUMBING in Roseville, CA — $350K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 80 days
- Approved
- 7/28/2025
- First disbursed
- 10/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Keogh Plumbing LLC in Santa Clarita, CA — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 7/23/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Home360 Pros L.L.C. dba Benjamin Franklin Plumbing in Savannah, GA — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 37 days
- Approved
- 8/24/2025
- First disbursed
- 9/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Oscar Nunez LLC dba BENJAMIN FRANKLIN PLUMBING in Huntington Beach, CA — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 188 days
- Approved
- 4/15/2025
- First disbursed
- 10/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Fire Bird Associates LLC dba Benjamin Franklin Plumbing in Danbury, CT — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 52 days
- Approved
- 5/27/2025
- First disbursed
- 7/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- PROFIT EFFECT HOLDING COMPANY LLC dba BENJAMIN FRANKLIN PLUMBING in East Dundee, IL — $275K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 102 days
- Approved
- 8/18/2025
- First disbursed
- 11/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- Pure Plumbing LLC in Louisville, KY — $270K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 7 days
- Approved
- 8/20/2025
- First disbursed
- 8/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Magnifi Financial CU · Lender record →
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- Parker Plumbing, LLC dba Benjamin Franklin Plumbing in Winchester, VA — $250K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 148 days
- Approved
- 9/2/2025
- First disbursed
- 1/28/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Riverside Plumbing, LLC dba Benjamin Franklin Plumbing in Buford, GA — $250K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 60 days
- Approved
- 3/31/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Benjamin Franklin Plumbing? 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Benjamin Franklin Plumbing businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Benjamin Franklin Plumbing 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. United Midwest Savings Bank National Association funds the most. CapBench is not a lender.
- $300K typical Benjamin Franklin Plumbing loan
- 0% failure rate (FY20–23)
- 15 lenders fund the brand
- 29 days typical to fund
Buyers researching a Benjamin Franklin Plumbing 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- 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.