Health & Medical · lender intelligence

How to finance a Dogtopia in Virginia

State:

The SBA 7(a) lenders funding the most Dogtopia deals in Virginia, from public loan records — typical Dogtopia loan about $905K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Dogtopia in Virginia

$680K

Typical loan

range $250K–$1.02M

$756K

Est. purchase price

≈ loan ÷ 90%

$101,056

Cash to close

$75,556 down + fees

$8,799/mo

Typical payment

~9.5% · 10yr

$121,426/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

77 days

Typical time to fund

Lenders competing

more = leverage

6.55%

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 Dogtopia in Virginia

Ranked by funded Dogtopia loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.105 loans · $72M · Wilmington, DEFull record →
3.62 loans · $34M · Winter Haven, FLFull record →

6+ funded Dogtopia in Virginia 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.

Maggies Dog House, LLC in Fredericksburg, VA — $1.0M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$765K (75%)
Approval → funding
87 days
Approved
7/1/2025
First disbursed
9/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
Pet Care (except Veterinary) Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$113K
Est. cash at closing
$155K
Monthly payment
$12,921
Annual debt service
$155K
Cash flow needed (1.25×)
$194K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Dogtopia of Fairfax City in Fairfax, VA — $1.2M (2022) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
126 months
SBA guaranteed
$919K (75%)
Approval → funding
158 days
Approved
3/25/2022
First disbursed
8/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Pet Care (except Veterinary) Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Dogtopia in Arlington, VA — $675K (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.3% variable
Term
120 mo (10 yrs)
SBA guaranteed
$608K (90%)
Approval → funding
77 days
Approved
4/23/2021
First disbursed
7/9/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Pet Care (except Veterinary) Services
If you were the buyer here
Est. deal size
$750K
Est. down payment (10%)
$75K
Est. cash at closing
$100K
Monthly payment
$7,259
Annual debt service
$87K
Cash flow needed (1.25×)
$109K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Ruff and Tumble Corp in Purcellville, VA — $680K (2020) · SouthState Bank, National Association
Program
7a General
Rate at approval
6.75% variable
Term
126 months
SBA guaranteed
$510K (75%)
Approval → funding
48 days
Approved
3/13/2020
First disbursed
4/30/2020
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
Pet Care (except Veterinary) Services
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Simba's Doggy Daycare, LLC in North Chesterfield, VA — $250K (2020) · Wilmington Savings Fund Society FSB
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
42 days
Approved
7/20/2020
First disbursed
8/31/2020
Loan status
Paid in full (2/29/2024)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Pet Care (except Veterinary) Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
Dogtopia of Falls Church in Falls Church, VA — $85K (2020) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$43K (50%)
Approval → funding
30 days
Approved
8/31/2020
First disbursed
9/30/2020
Loan status
Paid in full (8/31/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
New Business or 2 years or less
Industry
Pet Care (except Veterinary) Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Dogtopia in Virginia? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

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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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Dogtopia loans with a Virginia project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Dogtopia purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$905K typical Dogtopia loan
3 lenders active in Virginia
6+ funded Virginia deals
77 days typical to fund

Buyers buying a Dogtopia in Virginia typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Dogtopia lenders

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/dogtopia/virginia
API:: https://www.capbench.com/api/public/lenders?franchise=dogtopia
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.