Home & Trade Services · lender intelligence
How to finance a FRSTeam
The SBA 7(a) lenders funding the most FRSTeam deals, ranked from public loan records — typical FRSTeam loan about $459K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance FRSTeam
$459K
Typical loan
range $300K–$1.01M
$510K
Est. purchase price
≈ loan ÷ 90%
$68,213
Cash to close
$51,000 down + fees
$5,939/mo
Typical payment
~9.5% · 10yr
$81,958/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
5
Lenders competing
more = leverage
8.58%
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 FRSTeam
Ranked by funded FRSTeam loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.318 loans · $229M · Osage Beach, MOFull record →
- 3.18 loans · $24M · Madison, WIFull record →
- 4.19 loans · $3M · Springfield, ILFull record →
6+ funded FRSTeam 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.
- NORTH CAROLINA CARE LLC in Newton, NC — $1.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $761K (75%)
- Approval → funding
- 16 days
- Approved
- 12/29/2025
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Remediation Services
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $155K
- Monthly payment
- $12,585
- Annual debt service
- $151K
- Cash flow needed (1.25×)
- $189K
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
- NORTH CAROLINA CARE LLC in Newton, NC — $50K (2026) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 16 days
- Approved
- 12/29/2025
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Remediation Services
If you were the buyer here
- Est. deal size
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $620
- Annual debt service
- $7K
- Cash flow needed (1.25×)
- $9K
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
- O'Geen & Hew Holdings 1 LLC in Harrisonburg, VA — $3.1M (2025) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 44 days
- Approved
- 9/15/2025
- First disbursed
- 10/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Coin-Operated Laundries and Drycleaners
If you were the buyer here
- Est. deal size
- $3.5M
- Est. down payment (10%)
- $348K
- Est. cash at closing
- $481K
- Monthly payment
- $40,970
- Annual debt service
- $492K
- Cash flow needed (1.25×)
- $615K
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Southern Restoration LLC in Richmond, VA — $459K (2025) · First Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $344K (75%)
- Approval → funding
- 120 days
- Approved
- 9/29/2025
- First disbursed
- 1/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal and Household Goods Repair and Maintenance
Funded by First Business Bank · Lender record →
Your business? Claim this record · Request removal
- Restoration Services of West Michigan by Paris Cleaners, Inc. in Portage, MI — $350K (2024) · First National Bank of Michigan
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 18 days
- Approved
- 8/16/2024
- First disbursed
- 9/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Drycleaning and Laundry Services (except Coin-Operated)
Funded by First National Bank of Michigan
Your business? Claim this record · Request removal
- Apple Cleaners Missouri, Inc. in East Saint Louis, IL — $300K (2022) · Bank of Springfield
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 21 days
- Approved
- 7/20/2022
- First disbursed
- 8/10/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Drycleaning and Laundry Services (except Coin-Operated)
Funded by Bank of Springfield · Lender record →
Your business? Claim this record · Request removal
Buying a FRSTeam? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — 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 loans to FRSTeam businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a FRSTeam 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $459K typical FRSTeam loan
- 5 lenders fund the brand
- 21 days typical to fund
Buyers researching a FRSTeam 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.