Education & Childcare · lender intelligence

How to finance a Brain Balance

State:

The SBA 7(a) lenders funding the most Brain Balance deals, ranked from public loan records — typical Brain Balance loan about $225K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Brain Balance

$225K

Typical loan

range $150K–$378K

$250K

Est. purchase price

≈ loan ÷ 90%

$33,438

Cash to close

$25,000 down + fees

$3,293/mo

Typical payment

~12.5% · 10yr

$45,443/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

7.97%

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 Brain Balance

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

1.18 loans · $10M · Manitowoc, WIFull record →
2.1 loans · $1M · Lincoln, NEFull record →
3.15 loans · $6M · Watkinsville, GAFull record →
4.3 loans · $2M · Minneapolis, MNFull record →
5.33 loans · $15M · Minneapolis, MNFull record →

9+ funded Brain Balance 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.

FOX VALLEY LEARNING CENTER LLC in Mequon, WI — $150K (2026) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (75%)
Approval → funding
31 days
Approved
1/27/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Educational Support Services
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
Brain Healthy For Life, LLC in Wayne, PA — $255K (2025) · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$191K (75%)
Approval → funding
68 days
Approved
5/15/2025
First disbursed
7/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
Fully Alive Education Services LLC in Lincoln, NE — $30K (2024) · purchase · Union Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
9% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$26K (85%)
Approved
3/12/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
All Other Miscellaneous Schools and Instruction
If you were the buyer here
Est. deal size
$33K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$623
Annual debt service
$7K
Cash flow needed (1.25×)
$9K
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 Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Fully Alive Education Services LLC in Lincoln, NE — $20K (2024) · purchase · Union Bank and Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approved
3/12/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
All Other Miscellaneous Schools and Instruction
If you were the buyer here
Est. deal size
$22K
Est. down payment (10%)
$2K
Est. cash at closing
$3K
Monthly payment
$259
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
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 Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Fox Valley Achievement Center, LLC in Kaukana, WI — $225K (2023) · Bank First, N.A.
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
12 days
Approved
9/22/2023
First disbursed
10/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
New Business or 2 years or less
Industry
Exam Preparation and Tutoring
Funded by Bank First, N.A. · Lender record →
Your business? Claim this record · Request removal
Fox Valley Achievement Center, LLC in Kaukauna, WI — $431K (2021) · Bank First, N.A.
Program
7a General
Rate at approval
4.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$388K (90%)
Approval → funding
24 days
Approved
8/17/2021
First disbursed
9/10/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Exam Preparation and Tutoring
Funded by Bank First, N.A. · Lender record →
Your business? Claim this record · Request removal
FOX VALLEY LEARNING CENTER LLC in Mequon, WI — $150K (2021) · Bank First, N.A.
Program
7a General
Rate at approval
5.5% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
61 days
Approved
12/4/2020
First disbursed
2/3/2021
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Exam Preparation and Tutoring
Funded by Bank First, N.A. · Lender record →
Your business? Claim this record · Request removal
Dylans Kids, LLC in Jacksonville, FL — $464K (2020) · purchase · Oconee State Bank
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$348K (75%)
Approval → funding
70 days
Approved
1/21/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Educational Support Services
If you were the buyer here
Est. deal size
$516K
Est. down payment (10%)
$52K
Est. cash at closing
$69K
Monthly payment
$5,508
Annual debt service
$66K
Cash flow needed (1.25×)
$83K
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 Oconee State Bank · Lender record →
Your business? Claim this record · Request removal
Lexington Kids LLC in Simpsonville, SC — $378K (2020) · purchase · Oconee State Bank
Program
7a General
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$284K (75%)
Approval → funding
9 days
Approved
1/22/2020
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Educational Support Services
If you were the buyer here
Est. deal size
$420K
Est. down payment (10%)
$42K
Est. cash at closing
$56K
Monthly payment
$4,389
Annual debt service
$53K
Cash flow needed (1.25×)
$66K
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 Oconee State Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Brain Balance? 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 Brain Balance businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Brain Balance 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. Bank First, N.A. funds the most. CapBench is not a lender.

$225K typical Brain Balance loan
5 lenders fund the brand
31 days typical to fund

Buyers researching a Brain Balance 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 Brain Balance 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/brain-balance
API:: https://www.capbench.com/api/public/lenders?franchise=brain-balance
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.