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How to finance a Bio-One

The SBA 7(a) lenders funding the most Bio-One deals, ranked from public loan records — typical Bio-One loan about $150K, 5.13% failure rate across 62 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Bio-One

$150K

Typical loan

range $150K–$150K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

94.9%

Still performing

5.1% default · FY20–23

28 days

Typical time to fund

11

Lenders competing

more = leverage

8.46%

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 Bio-One

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

  1. 1.575 loans · $220M · De Graff, OHFull record →
  2. 2.1,025 loans · $292M · Berkeley Heights, NJFull record →
  3. 3.3,264 loans · $846M · Miami, FLFull record →
  4. 4.34 loans · $26M · Kalispell, MTFull record →
  5. 5.30 loans · $24M · Kansas City, MOFull record →
  6. 6.328 loans · $134M · Cleveland, OHFull record →
  7. 7.18 loans · $24M · Madison, WIFull record →
  8. 8.103 loans · $64M · Indiana, PAFull record →
  9. 9.62 loans · $21M · Saint Cloud, MNFull record →
  10. 10.6 loans · $6M · Wellsville, MOFull record →
  11. 11.1,927 loans · $207M · Buffalo, NYFull record →

62+ funded Bio-One 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.

  • Foundry IP LLC dba BIO-ONE FULLERTON in Fullerton, CA — $250K (2026) · United Midwest Savings Bank National Association
  • JNormanBanks, LLC dba Bio-One South Metro ATL in Douglasville, GA — $200K (2026) · United Midwest Savings Bank National Association
  • Bio-One in Hollister, CA — $170K (2026) · Newtek Bank, National Association
  • JNCC LLC dba BIO-ONE ANNAPOLIS in Odenton, MD — $50K (2026) · United Midwest Savings Bank National Association
  • Bio-One in Hollister, CA — $50K (2026) · Newtek Bank, National Association
  • Task Force Resolutions LLC dba Bio One Of Athens in Cumming, GA — $250K (2025) · United Midwest Savings Bank National Association
  • Pond Enterprises LLC dba Bio-One Tarrant in Fort Worth, TX — $250K (2025) · United Midwest Savings Bank National Association
  • Trinity Legacy Group LLC dba BIO ONE FRESNO in Visalia, CA — $150K (2025) · United Midwest Savings Bank National Association
  • Ninja on the Loose, LLC dba Bio-One of Ft. Collins in Loveland, CO — $150K (2025) · United Midwest Savings Bank National Association
  • Metro Crime Scene Holdings LLC in Phoenix, AZ — $300K (2024) · KeyBank National Association
  • Bio-One of Brick City in Wood Ridge, NJ — $224K (2024) · Readycap Lending, LLC
  • Rhianna & Nicholas LLC in Ebensburg, PA — $197K (2024) · First Commonwealth Bank
  • Brandy & The Boys LLC in Riverside, CA — $188K (2024) · First Business Bank
  • Bio-One of South Sound in Anderson Island, WA — $159K (2024) · Readycap Lending, LLC
  • KURTIS CLEAN UP SERVICES LLC dba BIO-ONE OF SOUTH SHORE in Braintree, MA — $150K (2024) · United Midwest Savings Bank National Association
  • Inzeo Remediation LLC dba Bio-One of Fairfax County in Greenbelt, MD — $150K (2024) · United Midwest Savings Bank National Association
  • JD Mayfield Enterprises LLC dba Bio-One of Brazos Valley in Caldwell, TX — $150K (2024) · United Midwest Savings Bank National Association
  • BELANGER, LLC dba Bio-One of Worcester in Shrewsbury, MA — $150K (2024) · United Midwest Savings Bank National Association
  • Rugged Crown LLC in La Verne, CA — $150K (2024) · United Midwest Savings Bank National Association
  • JNCC LLC dba BIO-ONE ANNAPOLIS in Odenton, MD — $150K (2024) · United Midwest Savings Bank National Association

Buying a Bio-One? 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.

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

Agent summary

How to finance a Bio-One 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.

  • $150K typical Bio-One loan
  • 5.13% failure rate (FY20–23)
  • 11 lenders fund the brand
  • 28 days typical to fund

Buyers researching a Bio-One 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 dealTalk to a loan brokerBio-One 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/bio-one
API:
https://www.capbench.com/api/public/lenders?franchise=bio-one
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.
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