Home & Trade Services · lender intelligence
How to finance a Koala Insulation
The SBA 7(a) lenders funding the most Koala Insulation deals, ranked from public loan records — typical Koala Insulation loan about $251K, 7.04% failure rate across 91 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Koala Insulation
$251K
Typical loan
range $147K–$343K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,242
Cash to close
$27,844 down + fees
$3,452/mo
Typical payment
~11% · 10yr
$47,638/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
93.0%
Still performing
7% default · FY20–23
15 days
Typical time to fund
27
Lenders competing
more = leverage
7.72%
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 Koala Insulation
Ranked by funded Koala Insulation 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 →
- 2.575 loans · $220M · De Graff, OHFull record →
- 3.62 loans · $34M · Winter Haven, FLFull record →
- 4.6 loans · $6M · Wellsville, MOFull record →
- 5.15 loans · $15M · Houston, MOFull record →
- 6.1,927 loans · $207M · Buffalo, NYFull record →
- 7.79 loans · $53M · Gulfport, MSFull record →
- 8.75 loans · $98M · Sioux Falls, SDFull record →
- 9.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 10.70 loans · $22M · Melrose, MNFull record →
- 11.618 loans · $171M · Salt Lake City, UTFull record →
- 12.116 loans · $120M · Evansville, INFull record →
- 13.60 loans · $40M · Clayton, MOFull record →
- 14.741 loans · $149M · Northbrook, ILFull record →
- 15.11 loans · $8M · Redwood Falls, MNFull record →
- 16.6 loans · $2M · Omaha, NEFull record →
- 17.8 loans · $6M · Lemay, MOFull record →
- 18.62 loans · $21M · Saint Cloud, MNFull record →
- 19.88 loans · $96M · Muncie, INFull record →
- 20.20 loans · $21M · Miami, FLFull record →
- 21.7 loans · $4M · Round Rock, TXFull record →
- 22.328 loans · $134M · Cleveland, OHFull record →
- 23.318 loans · $229M · Osage Beach, MOFull record →
- 24.16 loans · $14M · Arlington, MAFull record →
- 25.4 loans · $1M · Birmingham, ALFull record →
91+ funded Koala Insulation 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.
- Koala Insulation of Pearland in Pearland, TX — $650K (2026) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $488K (75%)
- Approved
- 1/6/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Drywall and Insulation Contractors
Funded by Readycap Lending, LLC · Lender record →
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- Koala Insulation of Washington DC in Silver Spring, MD — $625K (2026) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $469K (75%)
- Approval → funding
- 35 days
- Approved
- 11/13/2025
- First disbursed
- 12/18/2025
- Loan status
- Current
- 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 First Merchants Bank · Lender record →
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- Koala Insulation of Central Atlanta in Atlanta, GA — $550K (2026) · purchase · Banesco USA
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $413K (75%)
- Approval → funding
- 30 days
- Approved
- 12/1/2025
- First disbursed
- 12/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Drywall and Insulation Contractors
If you were the buyer here
- Est. deal size
- $611K
- Est. down payment (10%)
- $61K
- Est. cash at closing
- $82K
- Monthly payment
- $7,268
- Annual debt service
- $87K
- Cash flow needed (1.25×)
- $109K
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 Banesco USA · Lender record →
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- PNandN Inc in Lakeland, FL — $390K (2026) · iTHINK Financial CU
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $293K (75%)
- Approved
- 3/5/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Drywall and Insulation Contractors
Funded by iTHINK Financial CU
Your business? Claim this record · Request removal
- ACLR8 Home Services Inc. in Hutto, TX — $270K (2026) · purchase · R Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 26 days
- Approved
- 1/30/2026
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Other Services to Buildings and Dwellings
If you were the buyer here
- Est. deal size
- $300K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,384
- Annual debt service
- $41K
- Cash flow needed (1.25×)
- $51K
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 R Bank · Lender record →
Your business? Claim this record · Request removal
- LAB Home Holdings LLC in Las Vegas, NV — $499K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 16 days
- Approved
- 3/25/2025
- First disbursed
- 4/10/2025
- 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
- Drywall and Insulation Contractors
Funded by Magnifi Financial CU · Lender record →
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- YARRINGTON SERVICES INCORPORATED in Ann Arbor, MI — $444K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $333K (75%)
- Approval → funding
- 5 days
- Approved
- 2/27/2025
- First disbursed
- 3/4/2025
- 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
- Drywall and Insulation Contractors
Funded by Magnifi Financial CU · Lender record →
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- AAAA to Z Factory Inc in Broadview Heights, OH — $200K (2025) · Leader Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 21 days
- Approved
- 12/17/2024
- First disbursed
- 1/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Drywall and Insulation Contractors
Funded by Leader Bank, National Association · Lender record →
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- 6035 Insulation LLC in Colorado Springs, CO — $135K (2025) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $115K (85%)
- Approval → funding
- 6 days
- Approved
- 5/7/2025
- First disbursed
- 5/13/2025
- Loan status
- Past due
- 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 Zions Bank, A Division of · Lender record →
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- 6035 Insulation LLC in Colorado Springs, CO — $14K (2025) · Zions Bank, A Division of
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $7K (50%)
- Approval → funding
- 7 days
- Approved
- 5/7/2025
- First disbursed
- 5/14/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Drywall and Insulation Contractors
Funded by Zions Bank, A Division of · Lender record →
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- Koala Insulation of the Space Coast in Palm Bay, FL — $624K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $468K (75%)
- Approval → funding
- 36 days
- Approved
- 2/24/2024
- First disbursed
- 3/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Drywall and Insulation Contractors
Funded by Readycap Lending, LLC · Lender record →
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- Mulford Holdings, Inc. in Santa Monica, CA — $480K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 20 days
- Approved
- 3/8/2024
- First disbursed
- 3/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- AMBA Home Services Corp. in Hightstown, NJ — $345K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 6 days
- Approved
- 7/26/2024
- First disbursed
- 8/1/2024
- 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
- Energy Efficiency Solutions Inc. in Morganville, NJ — $319K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 30 days
- Approved
- 4/9/2024
- First disbursed
- 5/9/2024
- 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
- Myinsulationco, LLC in Statham, GA — $286K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $215K (75%)
- Approval → funding
- 14 days
- Approved
- 3/14/2024
- First disbursed
- 3/28/2024
- Loan status
- Current
- 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 First Bank of the Lake · Lender record →
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- DDT Holdings LLC in Rogers, AR — $280K (2024) · The Bank of Houston
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 108 days
- Approved
- 8/26/2024
- First disbursed
- 12/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Drywall and Insulation Contractors
Funded by The Bank of Houston · Lender record →
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- AMBA Home Services Corp. in Hightstown, NJ — $50K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 373 days
- Approved
- 7/26/2024
- First disbursed
- 8/3/2025
- Loan status
- Current
- Loan type
- Revolving line
- 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
- Energy Efficiency Solutions Inc. in Morganville, NJ — $50K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/10/2024
- Loan status
- Committed
- Loan type
- Revolving line
- 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
- Mulford Holdings, Inc. in Santa Monica, CA — $40K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 682 days
- Approved
- 3/8/2024
- First disbursed
- 1/19/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- SMART INSULATION LMDS, INC. in Corning, NY — $15K (2024) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 15% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $8K (50%)
- Approval → funding
- 30 days
- Approved
- 3/1/2024
- First disbursed
- 3/31/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Drywall and Insulation Contractors
Funded by Manufacturers and Traders Trust Company · Lender record →
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Buying a Koala Insulation? 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 Koala Insulation businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Koala Insulation 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.
- $251K typical Koala Insulation loan
- 7.04% failure rate (FY20–23)
- 27 lenders fund the brand
- 15 days typical to fund
Buyers researching a Koala Insulation 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.