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How to finance a Miracle Method Surface Refinishing

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The SBA 7(a) lenders funding the most Miracle Method Surface Refinishing deals, ranked from public loan records — typical Miracle Method Surface Refinishing loan about $259K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Miracle Method Surface Refinishing

$259K

Typical loan

range $150K–$500K

$288K

Est. purchase price

≈ loan ÷ 90%

$38,491

Cash to close

$28,778 down + fees

$3,568/mo

Typical payment

~11% · 10yr

$49,238/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

7.33%

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 Miracle Method Surface Refinishing

Ranked by funded Miracle Method Surface Refinishing loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.618 loans · $171M · Salt Lake City, UTFull record →
2.575 loans · $220M · De Graff, OHFull record →
3.328 loans · $134M · Cleveland, OHFull record →
4.1,025 loans · $292M · Berkeley Heights, NJFull record →
5.19 loans · $3M · Springfield, ILFull record →
6.32 loans · $54M · Tupelo, MSFull record →
7.8 loans · $5M · Overland Park, KSFull record →
8.3 loans · $1M · Saint Francis, MNFull record →

13+ funded Miracle Method Surface Refinishing 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.

HERMAN JR. ENTERPRISES LLC in Pennsauken, NJ — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
51 days
Approved
12/10/2025
First disbursed
1/30/2026
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
Other Personal and Household Goods Repair and Maintenance
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Bathworks Group, Inc. in Springfield, MA — $500K (2025) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
9.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
22 days
Approved
3/25/2025
First disbursed
4/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
All Other Specialty Trade Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
MIRACLE METHOD OF ST LOUIS SOUTH in Saint Louis, MO — $234K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (75%)
Approval → funding
28 days
Approved
9/3/2024
First disbursed
10/1/2024
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
Other Building Finishing Contractors
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Pink Sunshine Resurfacing, LLC in Salt Lake City, UT — $135K (2023) · Zions Bank, A Division of
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$68K (50%)
Approval → funding
6 days
Approved
1/12/2023
First disbursed
1/18/2023
Loan status
Paid in full (1/31/2025)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Other Building Finishing Contractors
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
AMC GROUP, LLC in Tacoma, WA — $1.3M (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.55% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$969K (75%)
Approval → funding
6 days
Approved
7/12/2022
First disbursed
7/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
All Other Specialty Trade Contractors
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
McDonough Refinishers, Inc in Mcdonough, GA — $1.2M (2022) · Renasant Bank
Program
7a General
Rate at approval
5.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$923K (75%)
Approval → funding
3 days
Approved
1/18/2022
First disbursed
1/21/2022
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Residential Remodelers
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
PRESIDIO 2000, LLC in Independence, MO — $757K (2022) · purchase · Kendall Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
144 mo (12 yrs)
SBA guaranteed
$567K (75%)
Approval → funding
15 days
Approved
3/22/2022
First disbursed
4/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$841K
Est. down payment (10%)
$84K
Est. cash at closing
$115K
Monthly payment
$7,285
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 Kendall Bank · Lender record →
Your business? Claim this record · Request removal
MM Midwest Holdings, LLC in Minneapolis, MN — $500K (2021) · purchase · Village Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (90%)
Approval → funding
10 days
Approved
8/16/2021
First disbursed
8/26/2021
Loan status
Paid in full (6/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,303
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 Village Bank · Lender record →
Your business? Claim this record · Request removal
Pink Sunshine Resurfacing, LLC in Salt Lake City, UT — $473K (2021) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$426K (90%)
Approval → funding
5 days
Approved
7/3/2021
First disbursed
7/8/2021
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$526K
Est. down payment (10%)
$53K
Est. cash at closing
$70K
Monthly payment
$5,017
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Jfembehr, Inc in Mc Farland, WI — $114K (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.7% fixed
Term
93 months
SBA guaranteed
$103K (90%)
Approval → funding
13 days
Approved
2/17/2021
First disbursed
3/2/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
All Other Specialty Trade Contractors
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Pink Sunshine Resurfacing, LLC in Salt Lake City, UT — $25K (2021) · purchase · Zions Bank, A Division of
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$19K (75%)
Approval → funding
4 days
Approved
7/3/2021
First disbursed
7/7/2021
Loan status
Paid in full (1/31/2023)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$327
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Rathke Enterprises, LLC in Springfield, IL — $259K (2020) · Bank of Springfield
Program
7a General
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$220K (85%)
Approval → funding
79 days
Approved
1/29/2020
First disbursed
4/17/2020
Loan status
Paid in full (4/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Residential Remodelers
Funded by Bank of Springfield · Lender record →
Your business? Claim this record · Request removal
Gilmat Inc in Boca Raton, FL — $177K (2020) · iTHINK Financial CU
Program
7a General
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$133K (75%)
Approval → funding
89 days
Approved
1/2/2020
First disbursed
3/31/2020
Loan status
Paid in full (10/31/2024)
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
Residential Remodelers
Funded by iTHINK Financial CU
Your business? Claim this record · Request removal

Buying a Miracle Method Surface Refinishing? 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 Miracle Method Surface Refinishing businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Miracle Method Surface Refinishing 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. Zions Bank, A Division of funds the most. CapBench is not a lender.

$259K typical Miracle Method Surface Refinishing loan
10 lenders fund the brand
13 days typical to fund

Buyers researching a Miracle Method Surface Refinishing 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 Miracle Method Surface Refinishing 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/miracle-method-surface-refinishing
API:: https://www.capbench.com/api/public/lenders?franchise=miracle-method-surface-refinishing
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.