Education & Childcare · lender intelligence
How to finance a Goldfish Swim School
The SBA 7(a) lenders funding the most Goldfish Swim School deals, ranked from public loan records — typical Goldfish Swim School loan about $2.0M, 0% failure rate across 42 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Goldfish Swim School
$2.00M
Typical loan
range $1.16M–$2.33M
$2.22M
Est. purchase price
≈ loan ÷ 90%
$305,972
Cash to close
$222,222 down + fees
$25,880/mo
Typical payment
~9.5% · 10yr
$357,144/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
29 days
Typical time to fund
20
Lenders competing
more = leverage
6.77%
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 Goldfish Swim School
Ranked by funded Goldfish Swim School loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.328 loans · $134M · Cleveland, OHFull record →
- 2.88 loans · $96M · Muncie, INFull record →
- 3.24 loans · $20M · Grand Rapids, MIFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.7 loans · $7M · Saint Louis Park, MNFull record →
- 6.1,296 loans · $1.4B · Wilmington, NCFull record →
- 7.1 loans · $0M · Ann Arbor, MIFull record →
- 8.31 loans · $24M · Malvern, PAFull record →
- 9.284 loans · $254M · Cincinnati, OHFull record →
- 10.28 loans · $42M · Lehi, UTFull record →
- 11.116 loans · $120M · Evansville, INFull record →
- 12.3 loans · $2M · Woburn, MAFull record →
- 13.26 loans · $42M · Chicago, ILFull record →
- 14.1,322 loans · $185M · Wilmington, DEFull record →
- 15.104 loans · $100M · Portsmouth, VAFull record →
42+ funded Goldfish Swim School 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.
- Goldfish Swim School - Acworth in Bloomfield Hills, GA — $2.8M (2025) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 129 months
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 64 days
- Approved
- 5/29/2025
- First disbursed
- 8/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by United Community Bank · Lender record →
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- South KIC Group, LLC in Oak Creek, WI — $2.0M (2025) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.45% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 12 days
- Approved
- 5/22/2025
- First disbursed
- 6/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Schools and Instruction
Funded by Old National Bank · Lender record →
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- Naperville Gf Swim School LLC in Naperville, IL — $309K (2025) · Independent Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.77% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $232K (75%)
- Approval → funding
- 34 days
- Approved
- 12/13/2024
- First disbursed
- 1/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- New Business or 2 years or less
- Industry
- Sports and Recreation Instruction
Funded by Independent Bank · Lender record →
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- Naperville School Property LLC in Naperville, IL — $4.5M (2024) · Independent Bank
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 186 months
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 21 days
- Approved
- 11/24/2023
- First disbursed
- 12/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Independent Bank · Lender record →
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- Goldfish Swim School - Nampa in Nampa, ID — $3.1M (2024) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 129 months
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 14 days
- Approved
- 4/4/2024
- First disbursed
- 4/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 57
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by United Community Bank · Lender record →
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- Swim School of Wilmington West LLC in Wilmington, DE — $2.5M (2024) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 130 months
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 152 days
- Approved
- 12/13/2023
- First disbursed
- 5/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 46
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by FWBank · Lender record →
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- DSH Group III, LLC in Lakeville, MN — $2.3M (2024) · Bridgewater Bank
- Program
- 7a General
- Rate at approval
- 8.14% fixed
- Term
- 121 months
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 14 days
- Approved
- 11/21/2023
- First disbursed
- 12/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 53
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by Bridgewater Bank · Lender record →
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- Lexington Swim School LLC in Lexington, SC — $2.0M (2024) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 512 days
- Approved
- 8/28/2024
- First disbursed
- 1/22/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 55
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by KeyBank National Association · Lender record →
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- BHB Investment Holdings Moore LLC in Moore, OK — $1.9M (2024) · Independent Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 19 days
- Approved
- 9/6/2024
- First disbursed
- 9/25/2024
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 97
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Educational Support Services
Funded by Independent Bank · Lender record →
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- Goldfish Swim School - Nampa in Nampa, ID — $150K (2024) · United Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 4/4/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 57
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by United Community Bank · Lender record →
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- Naperville Gf Swim School LLC in Naperville, IL — $4.8M (2023) · Independent Bank
- Program
- 7a General
- Rate at approval
- 6.75% fixed
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $3.6M (75%)
- Approved
- 4/14/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Independent Bank · Lender record →
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- H&H Swim School - Puyallup, LLC in Puyallup, WA — $3.9M (2023) · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 15 days
- Approved
- 10/17/2022
- First disbursed
- 11/1/2022
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by LendingClub Bank, National Association · Lender record →
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- G3P Decatur LLC in Decatur, GA — $2.5M (2023) · Customers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 29 days
- Approved
- 1/9/2023
- First disbursed
- 2/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by Customers Bank · Lender record →
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- Princeton Swim School, LLC in Princeton, NJ — $2.2M (2023) · MI Bank
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 29 days
- Approved
- 2/2/2023
- First disbursed
- 3/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 52
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by MI Bank
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- Soggy Doggies, LLC in Algonquin, IL — $2.7M (2022) · Luminate Bank
- Program
- 7a General
- Rate at approval
- 5.5% variable
- Term
- 89 months
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 17 days
- Approved
- 5/16/2022
- First disbursed
- 6/2/2022
- 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
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by Luminate Bank
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- Lenexa Swim School LLC in Lenexa, KS — $2.3M (2022) · First Merchants Bank
- Program
- 7a General
- Rate at approval
- 6.25% variable
- Term
- 140 months
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 0 days
- Approved
- 4/18/2022
- First disbursed
- 4/18/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by First Merchants Bank · Lender record →
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- Glendale Swim LLC in Glendale, NY — $2.1M (2022) · First Merchants Bank
- Program
- 7a General
- Rate at approval
- 5.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 0 days
- Approved
- 12/19/2021
- First disbursed
- 12/19/2021
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 41
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by First Merchants Bank · Lender record →
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- Edison Swim School LLC in Edison, NJ — $1.8M (2022) · First Merchants Bank
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 0 days
- Approved
- 9/30/2022
- First disbursed
- 9/30/2022
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by First Merchants Bank · Lender record →
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- BHB Investment Holdings Edmond, LLC in Edmond, OK — $1.2M (2022) · purchase · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $893K (75%)
- Approval → funding
- 5 days
- Approved
- 10/3/2021
- First disbursed
- 10/8/2021
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 41
- Business age
- Change of Ownership
- Industry
- Sports and Recreation Instruction
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $132K
- Est. cash at closing
- $181K
- Monthly payment
- $13,063
- 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 Merchants Bank · Lender record →
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- TenFish, LLC in Bloomfield Hills, MA — $675K (2022) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $506K (75%)
- Approval → funding
- 325 days
- Approved
- 7/18/2022
- First disbursed
- 6/8/2023
- Loan status
- Paid in full (8/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Sports and Recreation Instruction
Funded by KeyBank National Association · Lender record →
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Buying a Goldfish Swim School? 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 Goldfish Swim School businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Goldfish Swim School 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. KeyBank National Association funds the most. CapBench is not a lender.
- $2.0M typical Goldfish Swim School loan
- 0% failure rate (FY20–23)
- 20 lenders fund the brand
- 29 days typical to fund
Buyers researching a Goldfish Swim School 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 2026-06-24.
- 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.