Franchise · lender intelligence

How to finance a N-Hance

State:

The SBA 7(a) lenders funding the most N-Hance deals, ranked from public loan records — typical N-Hance loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance N-Hance

$150K

Typical loan

range $100K–$336K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

8.36%

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 N-Hance

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

1.575 loans · $220M · De Graff, OHFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.242 loans · $281M · Chicago, ILFull record →
4.14 loans · $23M · Miami Lakes, FLFull record →
5.1,025 loans · $292M · Berkeley Heights, NJFull record →
6.1,927 loans · $207M · Buffalo, NYFull record →

16+ funded N-Hance 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.

MCHAPPY L.L.C. dba N-HANCE OF WASHTENAW COUNTY dba N-HANCE OF ANN ARBOR in Kalamazoo, MI — $200K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
31 days
Approved
1/27/2026
First disbursed
2/27/2026
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 Building Finishing Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
N-HANCE of Brevard in Melbourne, FL — $1.6M (2025) · purchase · BankUnited, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
6 days
Approved
9/2/2025
First disbursed
9/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Residential Remodelers
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$174K
Est. cash at closing
$239K
Monthly payment
$18,589
Annual debt service
$223K
Cash flow needed (1.25×)
$279K
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 BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
Crafted Edge Corporation in Rochester Hills, MI — $168K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$126K (75%)
Approval → funding
38 days
Approved
11/5/2024
First disbursed
12/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Crafted Edge Corporation in Rochester Hills, MI — $30K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
11/5/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TIERRA VERDE VENTURES LLC in Jacksonville Beach, FL — $640K (2024) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$480K (75%)
Approval → funding
11 days
Approved
5/20/2024
First disbursed
5/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Finish Carpentry Contractors
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Three Rivers Wood Renewal, LLC in Pittsburgh, PA — $25K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
8/9/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Snapp Dragon LLC in Arvada, CO — $336K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$252K (75%)
Approval → funding
1 days
Approved
10/19/2022
First disbursed
10/20/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
NHANCE OF TULSA in Bixby, OK — $105K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$89K (85%)
Approval → funding
28 days
Approved
6/13/2023
First disbursed
7/11/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Reupholstery and Furniture Repair
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Snapp Dragon LLC in Arvada, CO — $50K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
19 days
Approved
10/19/2022
First disbursed
11/7/2022
Loan status
Delinquent
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Labrador Enterprises, LLC in Boise, ID — $667K (2021) · purchase · America First FCU
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$601K (90%)
Approval → funding
40 days
Approved
7/30/2021
First disbursed
9/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$741K
Est. down payment (10%)
$74K
Est. cash at closing
$99K
Monthly payment
$7,325
Annual debt service
$88K
Cash flow needed (1.25×)
$110K
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 America First FCU
Your business? Claim this record · Request removal
NHANCE OF PARK CITIES LLC in Dallas, TX — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approved
7/12/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
NORTHERN MA HOME SERVICES LLC in Malden, MA — $100K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$90K (90%)
Approval → funding
7 days
Approved
3/24/2021
First disbursed
3/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
MAC 1 VENTURES, INC. dba N-Hance of Orange and Alamance Counties in Efland, NC — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
46 days
Approved
5/15/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JESSE KLEIN ENTERPRISES LLC in Ellsworth, IA — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
7 days
Approved
8/24/2020
First disbursed
8/31/2020
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
The Frazier Group, LLP dba N-Hance of Chattanooga in Dayton, TN — $125K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
102 months
SBA guaranteed
$106K (85%)
Approval → funding
74 days
Approved
11/18/2019
First disbursed
1/31/2020
Loan status
Failed — $111K charged off (3/14/2023)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Wood Preservation
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Forest Hawk Holdings, Inc. in Fairfax, VA — $30K (2020) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
273 days
Approved
12/23/2019
First disbursed
9/21/2020
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Finish Carpentry Contractors
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a N-Hance 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. United Midwest Savings Bank National Association funds the most. CapBench is not a lender.

$150K typical N-Hance loan
7 lenders fund the brand
28 days typical to fund

Buyers researching a N-Hance 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 N-Hance 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/n-hance
API:: https://www.capbench.com/api/public/lenders?franchise=n-hance
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.