Home & Trade Services · lender intelligence
How to finance a City Wide
The SBA 7(a) lenders funding the most City Wide deals, ranked from public loan records — typical City Wide loan about $215K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance City Wide
$215K
Typical loan
range $100K–$324K
$239K
Est. purchase price
≈ loan ÷ 90%
$31,952
Cash to close
$23,889 down + fees
$3,147/mo
Typical payment
~12.5% · 10yr
$43,429/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
10
Lenders competing
more = leverage
7.57%
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 City Wide
Ranked by funded City Wide 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 →
- 2.62 loans · $21M · Saint Cloud, MNFull record →
- 3.30 loans · $24M · Kansas City, MOFull record →
- 4.16 loans · $18M · Chicago, ILFull record →
- 5.1 loans · $1M · Lincoln, NEFull record →
- 6.575 loans · $220M · De Graff, OHFull record →
- 7.4 loans · $4M · Hauppauge, NYFull record →
- 8.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 9.1,927 loans · $207M · Buffalo, NYFull record →
23+ funded City Wide 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.
- East TN Partners LLC in Knoxville, TN — $336K (2026) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $252K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by Pinnacle Bank · Lender record →
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- XY ZILI HOLDINGS COMPANY in Frankfort, IL — $474K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $356K (75%)
- Approval → funding
- 9 days
- Approved
- 9/10/2025
- First disbursed
- 9/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- CITY WIDE FACILITY SOLUTIONS OF SOUTHERN ARIZONA in Tucson, AZ — $204K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $153K (75%)
- Approval → funding
- 15 days
- Approved
- 1/23/2025
- First disbursed
- 2/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Trade Contractors
Funded by Readycap Lending, LLC · Lender record →
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- AATC8 INC. in Burtonsville, MD — $100K (2025) · Stearns Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 64 days
- Approved
- 12/2/2024
- First disbursed
- 2/4/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Janitorial Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- XY ZILI HOLDINGS COMPANY in Frankfort, IL — $40K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 16 days
- Approved
- 9/10/2025
- First disbursed
- 9/26/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JANT MANAGEMENT INC. in Santa Clara, CA — $325K (2024) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 6 days
- Approved
- 3/12/2024
- First disbursed
- 3/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $361K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,523
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $68K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Fawkes Capital Corp. in Concord, CA — $215K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $161K (75%)
- Approval → funding
- 13 days
- Approved
- 4/3/2024
- First disbursed
- 4/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Fawkes Capital Corp. in Concord, CA — $40K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 427 days
- Approved
- 4/3/2024
- First disbursed
- 6/4/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MSM Holdings LLC in Birmingham, AL — $75K (2023) · UMB Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approval → funding
- 25 days
- Approved
- 3/13/2023
- First disbursed
- 4/7/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- New Business or 2 years or less
- Industry
- Janitorial Services
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- MSM Holdings, LLC in Birmingham, AL — $450K (2022) · UMB Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (50%)
- Approval → funding
- 4 days
- Approved
- 4/18/2022
- First disbursed
- 4/22/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- J. Clayton Services, Inc. in Houston, TX — $350K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 2 days
- Approved
- 1/25/2022
- First disbursed
- 1/27/2022
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- CITY WIDE CMJ LLC in Campbell, CA — $324K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 2.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $243K (75%)
- Approval → funding
- 5 days
- Approved
- 12/17/2021
- First disbursed
- 12/22/2021
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- QTM Facility Futures LLC in Bellflower, CA — $315K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 9 days
- Approved
- 4/26/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KMB Facility Solutions, Inc. in Schaumburg, IL — $100K (2022) · BMO Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.86% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 29 days
- Approved
- 3/8/2022
- First disbursed
- 4/6/2022
- Loan status
- Paid in full (2/28/2025)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- New Business or 2 years or less
- Industry
- Janitorial Services
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
- KMB Facility Solutions, Inc. in Schaumburg, IL — $40K (2022) · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.65% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $34K (85%)
- Approval → funding
- 14 days
- Approved
- 3/8/2022
- First disbursed
- 3/22/2022
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- New Business or 2 years or less
- Industry
- Janitorial Services
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
- QTM Facility Futures LLC in Bellflower, CA — $30K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 9 days
- Approved
- 4/26/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- PKH HOLDINGS INC in Westwood, NJ — $200K (2021) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 118 months
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 54 days
- Approved
- 6/24/2021
- First disbursed
- 8/17/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Betta Management Inc in Cedar Knolls, NJ — $300K (2020) · purchase · The Huntington National Bank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 20 days
- Approved
- 8/11/2020
- First disbursed
- 8/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,293
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $49K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- AATC8 Inc. in Burtonsville, MD — $290K (2020) · Stearns Bank National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $218K (75%)
- Approval → funding
- 36 days
- Approved
- 12/26/2019
- 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
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Rj solutions in Knoxville, TN — $239K (2020) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.05% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $179K (75%)
- Approved
- 1/31/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Janitorial Services
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a City Wide? 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 City Wide businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a City Wide 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.
- $215K typical City Wide loan
- 10 lenders fund the brand
- 16 days typical to fund
Buyers researching a City Wide 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 2026-06-17.
- 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.