Franchise · lender intelligence
How to finance a Junk King
The SBA 7(a) lenders funding the most Junk King deals, ranked from public loan records — typical Junk King loan about $270K, 0% failure rate across 41 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Junk King
$270K
Typical loan
range $150K–$350K
$300K
Est. purchase price
≈ loan ÷ 90%
$40,096
Cash to close
$29,978 down + fees
$3,716/mo
Typical payment
~11% · 10yr
$51,281/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
24 days
Typical time to fund
21
Lenders competing
more = leverage
8.84%
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 Junk King
Ranked by funded Junk King 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 →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.242 loans · $281M · Chicago, ILFull record →
- 4.9 loans · $10M · Warren, PAFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.159 loans · $307M · Garden Grove, CAFull record →
- 7.17 loans · $29M · Tappahannock, VAFull record →
- 8.42 loans · $19M · Louisville, KYFull record →
- 9.149 loans · $135M · Mukwonago, WIFull record →
- 10.1,296 loans · $1.4B · Wilmington, NCFull record →
- 11.284 loans · $254M · Cincinnati, OHFull record →
- 12.36 loans · $51M · Carmel, INFull record →
- 13.12 loans · $12M · Pryor, OKFull record →
- 14.79 loans · $53M · Gulfport, MSFull record →
- 15.19 loans · $5M · Bessemer, ALFull record →
- 16.62 loans · $21M · Saint Cloud, MNFull record →
41+ funded Junk King 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.
- The Andover Group LLC in Columbus, OH — $564K (2026) · purchase · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $423K (75%)
- Approval → funding
- 27 days
- Approved
- 1/27/2026
- First disbursed
- 2/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Other Waste Collection
If you were the buyer here
- Est. deal size
- $627K
- Est. down payment (10%)
- $63K
- Est. cash at closing
- $84K
- Monthly payment
- $7,610
- Annual debt service
- $91K
- Cash flow needed (1.25×)
- $114K
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 Fifth Third Bank · Lender record →
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- Mokroye, LLC in Torrance, CA — $350K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 49 days
- Approved
- 11/25/2025
- First disbursed
- 1/13/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Used Household and Office Goods Moving
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,527
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $68K
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 Live Oak Banking Company · Lender record →
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- Desert Paper Crane Co LLC dba JUNK KING PALM SPRINGS in Palm Springs, CA — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 16 days
- Approved
- 2/4/2026
- First disbursed
- 2/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
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- ROSELLI SERVICE SOLUTIONS LLC dba JUNK KING TAMPA SOUTH in Tampa, FL — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 26 days
- Approved
- 2/12/2026
- First disbursed
- 3/10/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
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- The OG Group LLC in York, PA — $350K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/6/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- XCLUSIVE AUTOMOTIVE GROUP LLC in Lake Worth Beach, FL — $241K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 57 days
- Approved
- 11/24/2025
- First disbursed
- 1/20/2026
- 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
- Solid Waste Collection
Funded by Citizens Bank · Lender record →
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- Junk Krewe LLC in New Orleans, LA — $795K (2025) · purchase · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $596K (75%)
- Approval → funding
- 20 days
- Approved
- 3/4/2025
- First disbursed
- 3/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Other Waste Collection
If you were the buyer here
- Est. deal size
- $883K
- Est. down payment (10%)
- $88K
- Est. cash at closing
- $121K
- Monthly payment
- $10,396
- Annual debt service
- $125K
- Cash flow needed (1.25×)
- $156K
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- Prosperous Families Investing LLC in Grass Valley, CA — $426K (2025) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $320K (75%)
- Approval → funding
- 14 days
- Approved
- 3/12/2025
- First disbursed
- 3/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Solid Waste Collection
Funded by Merchants Bank of Indiana · Lender record →
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- Seattle Junk King in Auburn, WA — $383K (2025) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.58% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $287K (75%)
- Approval → funding
- 239 days
- Approved
- 3/26/2025
- First disbursed
- 11/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 24
- Business age
- Existing or more than 2 years old
- Industry
- Solid Waste Collection
Funded by U.S. Bank, National Association · Lender record →
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- ZOSAN, INC. dba JUNK KING ST PETERSBURG CLEARWATER in Pinellas Park, FL — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 34 days
- Approved
- 8/26/2025
- First disbursed
- 9/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
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- Garrett Holdings II LLC in Wichita, KS — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 32 days
- Approved
- 10/19/2024
- First disbursed
- 11/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
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- Emerald Path LLC in Spartanburg, SC — $300K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 29 days
- Approved
- 1/14/2025
- First disbursed
- 2/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- ZERO WASTE NATION LLC in Phoenix, AZ — $200K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 27 days
- Approved
- 11/19/2024
- First disbursed
- 12/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Seattle Junk King in Auburn, WA — $100K (2025) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 273 days
- Approved
- 3/26/2025
- First disbursed
- 12/24/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Existing or more than 2 years old
- Industry
- Other Waste Collection
Funded by U.S. Bank, National Association · Lender record →
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- Wilson Operating Company LLC in Louisville, KY — $84K (2025) · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $71K (85%)
- Approval → funding
- 28 days
- Approved
- 9/8/2025
- First disbursed
- 10/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Solid Waste Collection
Funded by Republic Bank & Trust Company · Lender record →
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- Junk Queen Green LLC in Sarasota, FL — $788K (2024) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.79% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $591K (75%)
- Approval → funding
- 2 days
- Approved
- 3/13/2024
- First disbursed
- 3/15/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Solid Waste Collection
Funded by Bank of America, National Association · Lender record →
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- Zero Waste L.L.C. in West Hartford, CT — $500K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 15 days
- Approved
- 8/26/2024
- First disbursed
- 9/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Waste Collection
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Franklin Tucker Corporation in Spring Hill, TN — $499K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 34 days
- Approved
- 11/16/2023
- First disbursed
- 12/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by First Bank of the Lake · Lender record →
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- JKOK LLC in Broken Arrow, OK — $262K (2024) · First Pryority Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $131K (50%)
- Approval → funding
- 88 days
- Approved
- 9/30/2024
- First disbursed
- 12/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by First Pryority Bank · Lender record →
Your business? Claim this record · Request removal
- Junk King Lancaster in Wernersville, PA — $234K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (75%)
- Approval → funding
- 45 days
- Approved
- 11/14/2023
- First disbursed
- 12/29/2023
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Buying a Junk King? 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 Junk King businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Junk King 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.
- $270K typical Junk King loan
- 0% failure rate (FY20–23)
- 21 lenders fund the brand
- 24 days typical to fund
Buyers researching a Junk King 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 2026-06-17.
- 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.