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How to finance a Garage Experts

State:

The SBA 7(a) lenders funding the most Garage Experts deals, ranked from public loan records — typical Garage Experts loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Garage Experts

$350K

Typical loan

range $226K–$1.00M

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

7.97%

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 Garage Experts

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

1.318 loans · $229M · Osage Beach, MOFull record →
2.31 loans · $11M · Green Bay, WIFull record →
3.3,264 loans · $846M · Miami, FLFull record →
4.47 loans · $39M · Greenville, PAFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.2 loans · $0M · Ottawa, ILFull record →
7.28 loans · $25M · Fresno, CAFull record →

8+ funded Garage Experts 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.

Surface Experts of the Palm Beaches in North Palm Beach, FL — $350K (2026) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
14 days
Approved
11/19/2025
First disbursed
12/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Garage Experts in Indianapolis, IN — $250K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
New Single-Family Housing Construction (except For-Sale Buil
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
GARAGEEXPERTS OF VOLUSIA in Sanford, FL — $226K (2026) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$170K (75%)
Approval → funding
15 days
Approved
11/20/2025
First disbursed
12/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Flooring Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Rocky 723 Ventures, LLC in Kuna, ID — $1.3M (2025) · First Federal Savings Bank
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$964K (75%)
Approval → funding
1 days
Approved
12/23/2024
First disbursed
12/24/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Other Foundation, Structure, and Building Exterior Contracto
Funded by First Federal Savings Bank · Lender record →
Your business? Claim this record · Request removal
Pekok LLC in Jacksonville, FL — $1.0M (2025) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
6 days
Approved
5/13/2025
First disbursed
5/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Flooring Contractors
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$13,077
Annual debt service
$157K
Cash flow needed (1.25×)
$196K
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 National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Kd3t LLC in Katy, TX — $837K (2021) · purchase · FFB Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$753K (90%)
Approved
7/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Flooring Contractors
If you were the buyer here
Est. deal size
$930K
Est. down payment (10%)
$93K
Est. cash at closing
$127K
Monthly payment
$9,080
Annual debt service
$109K
Cash flow needed (1.25×)
$136K
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 FFB Bank · Lender record →
Your business? Claim this record · Request removal
Garage Experts of Fox Valley in Appleton, WI — $152K (2021) · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$137K (90%)
Approval → funding
16 days
Approved
2/17/2021
First disbursed
3/5/2021
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Flooring Contractors
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Legend Hills Group LLC in Heath, OH — $32K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$16K (50%)
Approval → funding
24 days
Approved
8/7/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Partnership
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Flooring Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Garage Experts 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. First Bank of the Lake funds the most. CapBench is not a lender.

$350K typical Garage Experts loan
7 lenders fund the brand
15 days typical to fund

Buyers researching a Garage Experts 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 Garage Experts 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/garage-experts
API:: https://www.capbench.com/api/public/lenders?franchise=garage-experts
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.