Home & Trade Services · lender intelligence

How to finance a Fresh Coat

State:

The SBA 7(a) lenders funding the most Fresh Coat deals, ranked from public loan records — typical Fresh Coat 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 Fresh Coat

$150K

Typical loan

range $103K–$235K

$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

33 days

Typical time to fund

Lenders competing

more = leverage

8.61%

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 Fresh Coat

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

1.575 loans · $220M · De Graff, OHFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.242 loans · $281M · Chicago, ILFull record →
5.1 loans · $0M · Sandusky, OHFull record →
6.3,264 loans · $846M · Miami, FLFull record →
7.22 loans · $3M · Fayetteville, ARFull record →
8.9 loans · $1M · Austin, TXFull record →
9.13 loans · $5M · Chanute, KSFull record →
10.20 loans · $8M · Saint Petersburg, FLFull record →
11.1 loans · $1M · Lincoln, NEFull record →

17+ funded Fresh Coat 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.

Delicate Arch Finishes Limited Liability Co. in Taylorsville, UT — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
69 days
Approved
12/4/2025
First disbursed
2/11/2026
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
Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JAMES PAVLETICH SERVICES LLC in Morris, IL — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Window to the Wall Painting, LLC in Fort Myers, FL — $235K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$176K (75%)
Approval → funding
11 days
Approved
1/23/2025
First disbursed
2/3/2025
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Painting and Wall Covering Contractors
If you were the buyer here
Est. deal size
$261K
Est. down payment (10%)
$26K
Est. cash at closing
$35K
Monthly payment
$3,106
Annual debt service
$37K
Cash flow needed (1.25×)
$47K
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
Northwest Arkansas Home Services LLC in Siloam Springs, AR — $108K (2025) · Arvest Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$92K (85%)
Approval → funding
33 days
Approved
9/24/2025
First disbursed
10/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by Arvest Bank · Lender record →
Your business? Claim this record · Request removal
Fresh Coat Painters of Melbourne in Fort Pierce, FL — $100K (2025) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
24 days
Approved
8/11/2025
First disbursed
9/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Window to the Wall Painting, LLC in Fort Myers, FL — $50K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
72 days
Approved
1/23/2025
First disbursed
4/5/2025
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Painting and Wall Covering Contractors
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$661
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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
Carlile Corporation LLC dba Fresh Coat Painters in Odessa, TX — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
35 days
Approved
4/26/2024
First disbursed
5/31/2024
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
3CJR PAINTING, INC. in Tracy, CA — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
3/22/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Painting and Wall Covering Contractors
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
RC Venture, LLC in Wichita, KS — $103K (2024) · Community National Bank & Trust
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$88K (85%)
Approval → funding
59 days
Approved
2/29/2024
First disbursed
4/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by Community National Bank & Trust · Lender record →
Your business? Claim this record · Request removal
BRB Ventures LLC in Clinton, OH — $1.1M (2022) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
126 months
SBA guaranteed
$797K (75%)
Approval → funding
21 days
Approved
7/15/2022
First disbursed
8/5/2022
Loan status
In workout — SBA bought the guarantee
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
Painting and Wall Covering Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
BRB Ventures LLC in Clinton, OH — $1.1M (2022) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
126 months
SBA guaranteed
$797K (75%)
Approved
7/15/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
The Estrada Color Company LLC in Georgetown, TX — $153K (2022) · PeopleFund
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
10.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$115K (75%)
Approval → funding
6 days
Approved
9/2/2022
First disbursed
9/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Painting and Wall Covering Contractors
Funded by PeopleFund · Lender record →
Your business? Claim this record · Request removal
BRB Ventures LLC in Clinton, OH — $150K (2022) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
21 days
Approved
7/15/2022
First disbursed
8/5/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
PMT Painting of Charleston, LLC in Summerville, SC — $649K (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
204 mo (17 yrs)
SBA guaranteed
$584K (90%)
Approval → funding
3 days
Approved
9/27/2021
First disbursed
9/30/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Painting and Wall Covering Contractors
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
3CJR PAINTING, INC. in Tracy, CA — $375K (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$281K (75%)
Approval → funding
45 days
Approved
12/11/2020
First disbursed
1/25/2021
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
All Other Specialty Trade Contractors
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
HARRISON LEGACY LLC in Blue Ash, OH — $63K (2021) · Civista Bank
Program
Preferred Lenders Program
Rate at approval
4.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$57K (90%)
Approval → funding
35 days
Approved
3/26/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Painting and Wall Covering Contractors
Funded by Civista Bank · Lender record →
Your business? Claim this record · Request removal
NEXTGEN PAINTING LLC in Xenia, OH — $7K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.15% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$4K (50%)
Approved
11/25/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
Unanswered
Industry
Painting and Wall Covering Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Fresh Coat 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. United Midwest Savings Bank National Association funds the most. CapBench is not a lender.

$150K typical Fresh Coat loan
11 lenders fund the brand
33 days typical to fund

Buyers researching a Fresh Coat 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 Fresh Coat 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/fresh-coat
API:: https://www.capbench.com/api/public/lenders?franchise=fresh-coat
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.