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How to finance a Ductz

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The SBA 7(a) lenders funding the most Ductz deals, ranked from public loan records — typical Ductz loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Ductz

$150K

Typical loan

range $150K–$190K

$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

22 days

Typical time to fund

Lenders competing

more = leverage

9.85%

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 Ductz

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

1.105 loans · $164M · Brookline, MAFull record →
2.741 loans · $149M · Northbrook, ILFull record →
3.575 loans · $220M · De Graff, OHFull record →
4.62 loans · $34M · Winter Haven, FLFull record →

5+ funded Ductz 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.

Duct Cleaners of Richmond LLC in South Chesterfield, VA — $150K (2025) · CenTrust Bank, A Division of SmartBiz Bank National Association
Program
Preferred Lenders Program
Rate at approval
12% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
2 days
Approved
8/26/2025
First disbursed
8/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Services to Buildings and Dwellings
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
Your business? Claim this record · Request removal
Ferman Harold LLC dba Ductz of Cypress and Tomball in Tomball, TX — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
13 days
Approved
3/14/2025
First disbursed
3/27/2025
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
Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
DUCTZ of South Central PA in Mountville, PA — $190K (2024) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$143K (75%)
Approval → funding
30 days
Approved
7/31/2024
First disbursed
8/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$211K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$2,590
Annual debt service
$31K
Cash flow needed (1.25×)
$39K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
DUCTZ of South Central PA in Mountville, PA — $12K (2024) · Beacon Bank and Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$6K (50%)
Approved
7/31/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Giant Oak, Inc. in Tyrone, GA — $920K (2020) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$690K (75%)
Approval → funding
22 days
Approved
4/16/2020
First disbursed
5/8/2020
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
Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$102K
Est. cash at closing
$140K
Monthly payment
$9,984
Annual debt service
$120K
Cash flow needed (1.25×)
$150K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Ductz 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. Beacon Bank and Trust funds the most. CapBench is not a lender.

$150K typical Ductz loan
4 lenders fund the brand
22 days typical to fund

Buyers researching a Ductz 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 Ductz 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/ductz
API:: https://www.capbench.com/api/public/lenders?franchise=ductz
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.