Franchise · lender intelligence

How to finance a Junk King in California

State:

Arizona (1)Connecticut (2)Florida (5)Georgia (2)Illinois (3)Indiana (1)Iowa (1)Kansas (1)Kentucky (1)Louisiana (1)Nevada (1)New Mexico (1)

The SBA 7(a) lenders funding the most Junk King deals in California, from public loan records — typical Junk King loan about $270K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Junk King in California

$350K

Typical loan

range $147K–$350K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

8.4%

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 in California

Ranked by funded Junk King loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.575 loans · $220M · De Graff, OHFull record →
3.36 loans · $51M · Carmel, INFull record →
4.62 loans · $21M · Saint Cloud, MNFull record →

6+ funded Junk King in California 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.

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 →
Your business? Claim this record · Request removal
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 →
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 →
Your business? Claim this record · Request removal
JUNK-KING in Whittier, CA — $350K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
83 months
SBA guaranteed
$263K (75%)
Approval → funding
23 days
Approved
7/12/2022
First disbursed
8/4/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Existing or more than 2 years old
Industry
Solid Waste Collection
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
BRIC-A-BRAC LLC in Castaic, CA — $147K (2022) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (85%)
Approval → funding
7 days
Approved
2/3/2022
First disbursed
2/10/2022
Loan status
Paid in full (2/29/2024)
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
JKSD, Inc. in Spring Valley, CA — $100K (2020) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
15 days
Approved
12/16/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
All Other Support Activities for Transportation
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Junk King in California? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — 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.

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 Junk King loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Junk King purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$270K typical Junk King loan
6 lenders active in California
6+ funded California deals
16 days typical to fund

Buyers buying a Junk King in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Junk King lenders

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/junk-king/california
API:: https://www.capbench.com/api/public/lenders?franchise=junk-king&state=CA
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.