Health & Medical · lender intelligence

How to finance a Happier at Home

State:

The SBA 7(a) lenders funding the most Happier at Home deals, ranked from public loan records — typical Happier at Home 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 Happier at Home

$150K

Typical loan

range $75K–$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

47 days

Typical time to fund

Lenders competing

more = leverage

8.2%

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 Happier at Home

Ranked by funded Happier at Home 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 →
2.1,927 loans · $207M · Buffalo, NYFull record →

5+ funded Happier at Home 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.

DEVLIN CARE, LLC dba HAPPIER AT HOME in Fort Lauderdale, FL — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
99 days
Approved
8/26/2025
First disbursed
12/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Startup, Loan Funds will Open Business
Industry
Services for the Elderly and Persons with Disabilities
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JMV Senior Solutions, Inc. in Fairport, NY — $166K (2023) · purchase · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$83K (50%)
Approval → funding
20 days
Approved
11/18/2022
First disbursed
12/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Home Health Care Services
If you were the buyer here
Est. deal size
$184K
Est. down payment (10%)
$18K
Est. cash at closing
$25K
Monthly payment
$1,986
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Caritas Wellness, LLC in Hoover, AL — $150K (2023) · 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%)
Approval → funding
39 days
Approved
12/22/2022
First disbursed
1/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Services for the Elderly and Persons with Disabilities
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JMV Senior Solutions, Inc. in Fairport, NY — $25K (2023) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
11/18/2022
Loan status
Committed
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
28
Business age
Startup, Loan Funds will Open Business
Industry
Home Health Care Services
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
INNOVATIVE COMPANION CARE INC in Lady Lake, FL — $75K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$64K (85%)
Approval → funding
47 days
Approved
5/14/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Assisted Living Facilities for the Elderly
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Happier at Home? 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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By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Happier at Home 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 Happier at Home loan
2 lenders fund the brand
47 days typical to fund

Buyers researching a Happier at Home 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 Happier at Home record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/happier-at-home
API:: https://www.capbench.com/api/public/lenders?franchise=happier-at-home
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.