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How to finance a Lapels

State:

The SBA 7(a) lenders funding the most Lapels deals, ranked from public loan records — typical Lapels loan about $266K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Lapels

$266K

Typical loan

range $50K–$347K

$296K

Est. purchase price

≈ loan ÷ 90%

$39,531

Cash to close

$29,556 down + fees

$3,664/mo

Typical payment

~11% · 10yr

$50,563/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

8.2%

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 Lapels

Ranked by funded Lapels 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 →
2.54 loans · $15M · University Park, TXFull record →
3.20 loans · $8M · Saint Petersburg, FLFull record →
4.1,927 loans · $207M · Buffalo, NYFull record →

10+ funded Lapels 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.

Batt Cleaning Management Inc. in Gretna, NE — $500K (2026) · American National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
126 months
SBA guaranteed
$375K (75%)
Approved
3/2/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by American National Bank
Your business? Claim this record · Request removal
Mpamah Inc in College Station, TX — $949K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$712K (75%)
Approval → funding
43 days
Approved
5/15/2025
First disbursed
6/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
LML Green Dry Cleaning, LLC in Wilmington, MA — $125K (2025) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$63K (50%)
Approval → funding
39 days
Approved
2/20/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Coin-Operated Laundries and Drycleaners
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Mpamah Inc in College Station, TX — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/15/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Oxen Properties, LLC in Houma, LA — $258K (2024) · South Louisiana Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
90 months
SBA guaranteed
$129K (50%)
Approval → funding
35 days
Approved
7/30/2024
First disbursed
9/3/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by South Louisiana Bank
Your business? Claim this record · Request removal
Oxen Properties, LLC in Houma, LA — $30K (2024) · South Louisiana Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
21 days
Approved
8/13/2024
First disbursed
9/3/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by South Louisiana Bank
Your business? Claim this record · Request removal
Bridge Equities LLC in Brick, NJ — $273K (2022) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
239 months
SBA guaranteed
$205K (75%)
Approval → funding
9 days
Approved
5/18/2022
First disbursed
5/27/2022
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
1
Business age
Change of Ownership
Industry
Drycleaning and Laundry Services (except Coin-Operated)
If you were the buyer here
Est. deal size
$303K
Est. down payment (10%)
$30K
Est. cash at closing
$41K
Monthly payment
$2,000
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
JTBJ HOLDINGS INC. in Frisco, TX — $347K (2021) · purchase · PlainsCapital Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$260K (75%)
Approval → funding
1 days
Approved
11/23/2020
First disbursed
11/24/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Drycleaning and Laundry Services (except Coin-Operated)
If you were the buyer here
Est. deal size
$385K
Est. down payment (10%)
$39K
Est. cash at closing
$51K
Monthly payment
$3,675
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal
J&S ENTERPRISE LLC in Wilkes-Barre, PA — $266K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$239K (90%)
Approval → funding
6 days
Approved
4/23/2021
First disbursed
4/29/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
J&S ENTERPRISE LLC in Wilkes-Barre, PA — $15K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
60 mo (5 yrs)
SBA guaranteed
$11K (75%)
Approval → funding
7 days
Approved
4/23/2021
First disbursed
4/30/2021
Loan status
In liquidation
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Drycleaning and Laundry Services (except Coin-Operated)
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Lapels 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.

$266K typical Lapels loan
6 lenders fund the brand
21 days typical to fund

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