Retail & Shops · lender intelligence

How to finance a Music Go Round

State:

The SBA 7(a) lenders funding the most Music Go Round deals, ranked from public loan records — typical Music Go Round loan about $440K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Music Go Round

$440K

Typical loan

range $350K–$850K

$489K

Est. purchase price

≈ loan ÷ 90%

$65,389

Cash to close

$48,889 down + fees

$5,693/mo

Typical payment

~9.5% · 10yr

$78,563/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

7.86%

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 Music Go Round

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

1.9 loans · $10M · Warren, PAFull record →
2.168 loans · $205M · Fishers, INFull record →
3.47 loans · $39M · Greenville, PAFull record →
4.3 loans · $2M · Lincoln, NEFull record →
5.318 loans · $229M · Osage Beach, MOFull record →
6.2,539 loans · $965M · Columbus, OHFull record →
7.128 loans · $40M · Wilmington, DEFull record →

8+ funded Music Go Round 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.

Music Go Round in Natick, MA — $1.0M (2026) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$753K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Used Merchandise Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Music Go Round in Wilkes Barre Township, PA — $570K (2026) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$428K (75%)
Approval → funding
24 days
Approved
11/25/2025
First disbursed
12/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Musical Instrument and Supplies Retailers
If you were the buyer here
Est. deal size
$633K
Est. down payment (10%)
$63K
Est. cash at closing
$85K
Monthly payment
$7,454
Annual debt service
$89K
Cash flow needed (1.25×)
$112K
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 First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Tunes Inc in Lincoln, NE — $440K (2026) · Cornhusker Bank
Program
7a General
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$330K (75%)
Approval → funding
1 days
Approved
12/30/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Musical Instrument and Supplies Retailers
Funded by Cornhusker Bank · Lender record →
Your business? Claim this record · Request removal
Music Go Round in Greensboro, NC — $389K (2026) · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$292K (75%)
Approval → funding
16 days
Approved
12/22/2025
First disbursed
1/7/2026
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
Musical Instrument and Supplies Retailers
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Gibvater Gear, LLC in Wilmington, NC — $350K (2026) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.9% fixed
Term
126 months
SBA guaranteed
$263K (75%)
Approval → funding
17 days
Approved
2/8/2026
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Used Merchandise Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Headstock Ventures Corp. in North Olmsted, OH — $50K (2025) · Northwest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
8/18/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Musical Instrument and Supplies Retailers
Funded by Northwest Bank · Lender record →
Your business? Claim this record · Request removal
JKA Enterprises, LLC in Littleton, CO — $850K (2020) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.2% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$638K (75%)
Approval → funding
38 days
Approved
7/24/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Musical Instrument and Supplies Stores
If you were the buyer here
Est. deal size
$944K
Est. down payment (10%)
$94K
Est. cash at closing
$130K
Monthly payment
$8,687
Annual debt service
$104K
Cash flow needed (1.25×)
$130K
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 PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Klein Music Incorpoated in Ann Arbor, MI — $15K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$8K (50%)
Approval → funding
25 days
Approved
6/5/2020
First disbursed
6/30/2020
Loan status
Paid in full (12/31/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Musical Instrument and Supplies Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Music Go Round? 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 Music Go Round businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Music Go Round 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. Northwest Bank funds the most. CapBench is not a lender.

$440K typical Music Go Round loan
8 lenders fund the brand
24 days typical to fund

Buyers researching a Music Go Round 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 Music Go Round 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/music-go-round
API:: https://www.capbench.com/api/public/lenders?franchise=music-go-round
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.