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Retail & Shops · lender intelligence

How to finance a Gotcha Covered

The SBA 7(a) lenders funding the most Gotcha Covered deals, ranked from public loan records — typical Gotcha Covered loan about $150K, 5.26% failure rate across 38 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Gotcha Covered

$150K

Typical loan

range $115K–$150K

$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

15 days

Typical time to fund

9

Lenders competing

more = leverage

9.16%

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 Gotcha Covered

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

  1. 1.575 loans · $220M · De Graff, OHFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.1,025 loans · $292M · Berkeley Heights, NJFull record →
  4. 4.70 loans · $22M · Melrose, MNFull record →
  5. 5.318 loans · $229M · Osage Beach, MOFull record →
  6. 6.4 loans · $1M · Fairfax, VAFull record →
  7. 7.9 loans · $1M · Austin, TXFull record →
  8. 8.62 loans · $34M · Winter Haven, FLFull record →

38+ funded Gotcha Covered 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.

  • Volk Window Treatments LLC dba Gotcha Covered North Twin Cities in Ramsey, MN — $200K (2026) · United Midwest Savings Bank National Association
  • Wilbur Holdings LLC in Evans, GA — $150K (2026) · United Midwest Savings Bank National Association
  • Grason Ventures, LLC in Maumee, OH — $150K (2026) · United Midwest Savings Bank National Association
  • Cornerstone Family Ventures LLC in Chesapeake, VA — $150K (2026) · United Midwest Savings Bank National Association
  • Royal View LLC in Chicago, IL — $150K (2025) · Magnifi Financial CU
  • McCormack Ventures, LLC dba Gotcha Covered of Braselton in Buford, GA — $150K (2025) · United Midwest Savings Bank National Association
  • SHANE ENTERPRISES LLC dba GOTCHACOVERED OF FORT WAYNE in Fort Wayne, IN — $150K (2025) · United Midwest Savings Bank National Association
  • Gotcha Covered Clark County in Vancouver, WA — $125K (2025) · Readycap Lending, LLC
  • Gotcha Covered of Clayton in Knightdale, NC — $116K (2025) · First Bank of the Lake
  • COVER CREATIONS, LLC. dba GOTCHA COVERED in Saint Augustine, FL — $150K (2024) · United Midwest Savings Bank National Association
  • Outlook Home Services, LLC in Twin Lakes, WI — $150K (2024) · United Midwest Savings Bank National Association
  • DELABETA GROUP LLC dba GOTCHA COVERED in Weston, FL — $150K (2024) · United Midwest Savings Bank National Association
  • SHAFFER'S SOLUTIONS LLC dba GOTCHA COVERED in Farmington, MI — $150K (2024) · United Midwest Savings Bank National Association
  • Von Rueden Enterprises, LLC in Gardner, ND — $150K (2024) · United Midwest Savings Bank National Association
  • Stephanie B Designs LLC in Boca Raton, FL — $150K (2024) · United Midwest Savings Bank National Association
  • Russell R. Dull Jr. dba GOTCHA COVERED in Palm Bay, FL — $150K (2024) · United Midwest Savings Bank National Association
  • Blue Cat Enterprises LLC dba Gotcha Covered North San Antonio in San Antonio, TX — $150K (2024) · United Midwest Savings Bank National Association
  • LMS Endeavors Inc. in Farmington, NM — $150K (2024) · United Midwest Savings Bank National Association
  • Gotcha Covered of Canton in Acworth, GA — $102K (2024) · Readycap Lending, LLC
  • Team JGP Inc in Wesley Chapel, FL — $227K (2023) · The Huntington National Bank

Buying a Gotcha Covered? 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.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Gotcha Covered businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Gotcha Covered 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 Gotcha Covered loan
  • 5.26% failure rate (FY20–23)
  • 9 lenders fund the brand
  • 15 days typical to fund

Buyers researching a Gotcha Covered 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 dealTalk to a loan brokerGotcha Covered 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/gotcha-covered
API:
https://www.capbench.com/api/public/lenders?franchise=gotcha-covered
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.
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