Home & Trade Services · lender intelligence

How to finance a iFoam

State:

The SBA 7(a) lenders funding the most iFoam deals, ranked from public loan records — typical iFoam loan about $629K, 6.45% failure rate across 68 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance iFoam

$629K

Typical loan

range $50K–$700K

$699K

Est. purchase price

≈ loan ÷ 90%

$93,462

Cash to close

$69,878 down + fees

$8,138/mo

Typical payment

~9.5% · 10yr

$112,304/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

92.7%

Still performing

7.3% default · FY20–23

10 days

Typical time to fund

Lenders competing

more = leverage

10.21%

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 iFoam

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.1 loans · $1M · Lincoln, NEFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.65 loans · $78M · Springfield, MOFull record →

61+ funded iFoam 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.

Urban Farmer Insulation LLC in Madison Heights, MI — $709K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$532K (75%)
Approved
1/27/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Urban Farmer Insulation LLC in Madison Heights, MI — $709K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$532K (75%)
Approval → funding
9 days
Approved
2/3/2024
First disbursed
2/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
DAVJ Group, LLC in Englewood, CO — $688K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$516K (75%)
Approval → funding
16 days
Approved
12/6/2023
First disbursed
12/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ST. AUGUSTINE BUILDING SERVICES LLC in Saint Augustine, FL — $500K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
1/4/2024
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ST. AUGUSTINE BUILDING SERVICES LLC in Saint Augustine, FL — $75K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
1/4/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DAVJ Group, LLC in Englewood, CO — $50K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
49 days
Approved
12/6/2023
First disbursed
1/24/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JRB Professional Services LLC in San Antonio, TX — $1.4M (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
19 days
Approved
5/19/2023
First disbursed
6/7/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SHEPHERD INTERNATIONAL INNOVATIONS, INC. in Spring, TX — $1.2M (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$870K (75%)
Approval → funding
8 days
Approved
5/3/2023
First disbursed
5/11/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
GCT BRANDS LLC in Fort Mill, SC — $1.0M (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$776K (75%)
Approval → funding
8 days
Approved
8/22/2023
First disbursed
8/30/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
MOST Enterprises LLC in Commerce City, CO — $948K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$711K (75%)
Approval → funding
7 days
Approved
5/31/2023
First disbursed
6/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SMV LLC in Denver, CO — $860K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$645K (75%)
Approval → funding
16 days
Approved
7/18/2023
First disbursed
8/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Handy Contractor Services LLC in Chantilly, VA — $772K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$579K (75%)
Approval → funding
2 days
Approved
2/1/2023
First disbursed
2/3/2023
Loan status
Paid in full (12/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Rosey Goat Foam Co. in Chicago, IL — $740K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
227 months
SBA guaranteed
$555K (75%)
Approval → funding
1 days
Approved
5/3/2023
First disbursed
5/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DCAB LLC in Riverton, UT — $728K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$546K (75%)
Approval → funding
1 days
Approved
1/26/2023
First disbursed
1/27/2023
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Aero Insulation, LLC in Norcross, GA — $720K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$540K (75%)
Approval → funding
10 days
Approved
7/14/2023
First disbursed
7/24/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Seek Foam Corp. in Colorado Springs, CO — $703K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$527K (75%)
Approval → funding
3 days
Approved
11/29/2022
First disbursed
12/2/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Stronghold Ventures LLC in Knoxville, TN — $702K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$527K (75%)
Approval → funding
12 days
Approved
6/23/2023
First disbursed
7/5/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TBS Services LLC in Fort Worth, TX — $700K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
10 days
Approved
9/15/2023
First disbursed
9/25/2023
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HENNING LEMON HOME ENERGY SOLUTIONS LLC in Overland Park, KS — $700K (2023) · OakStar Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
7 days
Approved
5/12/2023
First disbursed
5/19/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Drywall and Insulation Contractors
Funded by OakStar Bank · Lender record →
Your business? Claim this record · Request removal
Avalon Services, LLC in Charlotte, NC — $698K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$524K (75%)
Approval → funding
7 days
Approved
9/28/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a iFoam 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. The Huntington National Bank funds the most. CapBench is not a lender.

$629K typical iFoam loan
6.45% failure rate (FY20–23)
4 lenders fund the brand
10 days typical to fund

Buyers researching a iFoam 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 iFoam 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/ifoam
API:: https://www.capbench.com/api/public/lenders?franchise=ifoam
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.