Health & Medical · lender intelligence

How to finance a Fastest Labs in Texas

State:

The SBA 7(a) lenders funding the most Fastest Labs deals in Texas, from public loan records — typical Fastest Labs loan about $150K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Fastest Labs in Texas

$180K

Typical loan

range $162K–$207K

$200K

Est. purchase price

≈ loan ÷ 90%

$26,750

Cash to close

$20,000 down + fees

$2,635/mo

Typical payment

~12.5% · 10yr

$36,363/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

6.66%

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 Fastest Labs in Texas

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

1.38 loans · $21M · San Antonio, TXFull record →
2.20 loans · $8M · Saint Petersburg, FLFull record →
3.8 loans · $4M · Fredericksburg, TXFull record →

8+ funded Fastest Labs in Texas 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.

Red Penny Anti-Doping LLC in New Braunfels, TX — $403K (2024) · purchase · Security State Bank and Trust
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$302K (75%)
Approval → funding
27 days
Approved
7/30/2024
First disbursed
8/26/2024
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$448K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$5,326
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 Security State Bank and Trust · Lender record →
Your business? Claim this record · Request removal
CMS Testing LLC in San Antonio, TX — $180K (2023) · purchase · Frost Bank
Program
Preferred Lenders Program
Rate at approval
10.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$135K (75%)
Approval → funding
19 days
Approved
9/16/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$200K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,429
Annual debt service
$29K
Cash flow needed (1.25×)
$36K
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 Frost Bank · Lender record →
Your business? Claim this record · Request removal
Coleman Brothers Testing Group Incorporated in Addison, TX — $207K (2021) · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$186K (90%)
Approval → funding
31 days
Approved
1/5/2021
First disbursed
2/5/2021
Loan status
Paid in full (2/29/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
AyMi Drug Testing, LLC in Arlington, TX — $182K (2021) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$163K (90%)
Approved
9/23/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Testing Laboratories
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
AyMi Drug Testing, LLC in Arlington, TX — $176K (2021) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
86 months
SBA guaranteed
$158K (90%)
Approval → funding
33 days
Approved
9/28/2021
First disbursed
10/31/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Testing Laboratories
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
CMS Testing LLC in San Antonio, TX — $162K (2021) · purchase · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$122K (75%)
Approval → funding
61 days
Approved
10/28/2020
First disbursed
12/28/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$180K
Est. down payment (10%)
$18K
Est. cash at closing
$24K
Monthly payment
$1,738
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 Frost Bank · Lender record →
Your business? Claim this record · Request removal
FL 280, LLC in Austin, TX — $117K (2021) · purchase · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$99K (85%)
Approval → funding
26 days
Approved
10/5/2020
First disbursed
10/31/2020
Loan status
Paid in full (10/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Medical Laboratories
If you were the buyer here
Est. deal size
$130K
Est. down payment (10%)
$13K
Est. cash at closing
$17K
Monthly payment
$1,254
Annual debt service
$15K
Cash flow needed (1.25×)
$19K
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 Frost Bank · Lender record →
Your business? Claim this record · Request removal
Coleman Brothers Testing Group Incorporated in Addison, TX — $25K (2021) · Frost Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$19K (75%)
Approval → funding
31 days
Approved
1/5/2021
First disbursed
2/5/2021
Loan status
Paid in full (2/29/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Medical Laboratories
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Fastest Labs in Texas? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Fastest Labs loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fastest Labs purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. Frost Bank funds the most here. CapBench is not a lender.

$150K typical Fastest Labs loan
3 lenders active in Texas
8+ funded Texas deals
31 days typical to fund

Buyers buying a Fastest Labs in Texas 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 Fastest Labs 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/fastest-labs/texas
API:: https://www.capbench.com/api/public/lenders?franchise=fastest-labs
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.