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How to finance a Joshua Tree

The SBA 7(a) lenders funding the most Joshua Tree deals, ranked from public loan records — typical Joshua Tree loan about $492K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Joshua Tree

$492K

Typical loan

range $388K–$620K

$547K

Est. purchase price

≈ loan ÷ 90%

$73,117

Cash to close

$54,667 down + fees

$6,366/mo

Typical payment

~9.5% · 10yr

$87,851/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

6

Lenders competing

more = leverage

10.22%

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 Joshua Tree

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

  1. 1.318 loans · $229M · Osage Beach, MOFull record →
  2. 2.149 loans · $135M · Mukwonago, WIFull record →
  3. 3.24 loans · $21M · Raleigh, NCFull record →
  4. 4.102 loans · $119M · Saint Petersburg, FLFull record →
  5. 5.154 loans · $26M · San Diego, CAFull record →
  6. 6.18 loans · $24M · Madison, WIFull record →

8+ funded Joshua Tree 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.

  • Joshua Tree Experts in Plymouth, CT — $707K (2026) · First Bank of the Lake
  • Eggs Holdings LLC in Midlothian, VA — $620K (2026) · North State Bank
  • Full Send Collective, Inc. in Dallas, TX — $575K (2026) · Climate First Bank
  • Tampa Quality Tree Lawn LLC in Tarpon Springs, FL — $350K (2026) · CDC Small Business Finance Corp.
  • Joshua Tree Experts in Watchung, NJ — $340K (2025) · First Bank of the Lake
  • Seed2Leaf, Inc. in Charlotte, NC — $492K (2024) · First Bank of the Lake
  • HAMM ENTERPRISE INC in Greenwood, IN — $489K (2024) · First Business Bank
  • DFW Enterprises LLC in Malvern, PA — $388K (2024) · Citizens Bank

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

Agent summary

How to finance a Joshua Tree 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.

  • $492K typical Joshua Tree loan
  • 6 lenders fund the brand
  • 17 days typical to fund

Buyers researching a Joshua Tree 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 brokerJoshua Tree 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/joshua-tree
API:
https://www.capbench.com/api/public/lenders?franchise=joshua-tree
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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