Automotive · lender intelligence

How to finance a Matco Tools

State:

The SBA 7(a) lenders funding the most Matco Tools deals, ranked from public loan records — typical Matco Tools loan about $80K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Matco Tools

$80K

Typical loan

range $25K–$150K

$89K

Est. purchase price

≈ loan ÷ 90%

$11,449

Cash to close

$8,889 down + fees

$1,171/mo

Typical payment

~12.5% · 10yr

$16,160/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

11 days

Typical time to fund

Lenders competing

more = leverage

9.22%

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 Matco Tools

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

1.105 loans · $51M · Fitzgerald, GAFull record →
2.3,264 loans · $846M · Miami, FLFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.128 loans · $40M · Wilmington, DEFull record →
5.13 loans · $18M · Roseburg, ORFull record →
6.7 loans · $0M · Fort Wayne, INFull record →
7.1,927 loans · $207M · Buffalo, NYFull record →
8.1,025 loans · $292M · Berkeley Heights, NJFull record →

18+ funded Matco Tools 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.

JRH Tools LLC in Hayes, VA — $300K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
7 days
Approved
11/13/2025
First disbursed
11/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
LEMKO LLC in Independence, KY — $50K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.24% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
4 days
Approved
1/23/2026
First disbursed
1/27/2026
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Kludy's Tool & Service, LLC in Auburn, WA — $50K (2026) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
8 days
Approved
2/19/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Hardware Merchant Wholesalers
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
DIZZYD TOOLS LLC in Aurora, CO — $25K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.24% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
7 days
Approved
1/21/2026
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
CARNRIE TRADING LLC in Marietta, GA — $500K (2025) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
12 days
Approved
10/16/2024
First disbursed
10/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
SLEJ 1995 Investments LLC in Baytown, TX — $150K (2024) · Colony Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
1 days
Approved
5/13/2024
First disbursed
5/14/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
DAVID C. LENT in Aumsville, OR — $150K (2024) · Colony Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
10 days
Approved
5/31/2024
First disbursed
6/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
All Other General Merchandise Retailers
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
MCR DISTRIBUTIONS, LLC in Bel Air, MD — $10K (2024) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$5K (50%)
Approved
9/27/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
All Other Miscellaneous Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
RMC TOOLS AUTHORIZED DISTRIBUTOR FOR MATCO TOOLS LLC in Palm Bay, FL — $80K (2023) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
105 months
SBA guaranteed
$68K (85%)
Approval → funding
13 days
Approved
6/7/2023
First disbursed
6/20/2023
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
3
Business age
Startup, Loan Funds will Open Business
Industry
All Other Miscellaneous Retailers
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mike Santillo Tools, Inc. in Granby, MA — $188K (2022) · Westfield Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$141K (75%)
Approval → funding
58 days
Approved
11/3/2021
First disbursed
12/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Other Direct Selling Establishments
Funded by Westfield Bank
Your business? Claim this record · Request removal
JR Tooling LLC in Alto, MI — $146K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.45% variable
Term
84 mo (7 yrs)
SBA guaranteed
$73K (50%)
Approval → funding
33 days
Approved
2/2/2022
First disbursed
3/7/2022
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
General Freight Trucking, Long-Distance, Truckload
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Tomas Tools LLC in Danbury, CT — $100K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
24 days
Approved
8/9/2022
First disbursed
9/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Max G Bradley Jr LLC in Tipton, IN — $60K (2022) · STAR Financial Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
72 mo (6 yrs)
SBA guaranteed
$30K (50%)
Approved
5/6/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous General Purpose Machinery Manufactur
Funded by STAR Financial Bank · Lender record →
Your business? Claim this record · Request removal
JBW TOOLS LLC in Pataskala, OH — $60K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$30K (50%)
Approval → funding
16 days
Approved
3/21/2022
First disbursed
4/6/2022
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
LCB TOOLS INC. in Nibley, UT — $210K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$189K (90%)
Approved
9/16/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Other Miscellaneous Durable Goods Merchant Wholesalers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
OCTANE TOOLS, LLC in Bellevue, NE — $25K (2021) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$19K (75%)
Approval → funding
17 days
Approved
2/11/2021
First disbursed
2/28/2021
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Hardware Stores
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
BRASHEAR TOOLS LLC in Saint Paul, MN — $25K (2021) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
40 months
SBA guaranteed
$19K (75%)
Approval → funding
11 days
Approved
7/19/2021
First disbursed
7/30/2021
Loan status
Failed — $24K charged off (4/14/2025)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Automotive Parts and Accessories Stores
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
JEFF WEBSTER AUTHORIZED MATCO TOOLS DISTRIBUTOR in Sacramento, CA — $20K (2021) · PNC Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (75%)
Approval → funding
5 days
Approved
6/2/2021
First disbursed
6/7/2021
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Individual
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Industrial Supplies Merchant Wholesalers
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Matco Tools? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Matco Tools businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Matco Tools 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. Colony Bank funds the most. CapBench is not a lender.

$80K typical Matco Tools loan
11 lenders fund the brand
11 days typical to fund

Buyers researching a Matco Tools 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 Matco Tools 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/matco-tools
API:: https://www.capbench.com/api/public/lenders?franchise=matco-tools
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.