Franchise · lender intelligence

How to finance a Padgett Business Services

State:

The SBA 7(a) lenders funding the most Padgett Business Services deals, ranked from public loan records — typical Padgett Business Services loan about $435K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Padgett Business Services

$435K

Typical loan

range $350K–$795K

$483K

Est. purchase price

≈ loan ÷ 90%

$64,631

Cash to close

$48,322 down + fees

$5,627/mo

Typical payment

~9.5% · 10yr

$77,653/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

7.56%

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 Padgett Business Services

Ranked by funded Padgett Business Services 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 →
3.7 loans · $2M · Minot, NDFull record →
4.97 loans · $96M · Raleigh, NCFull record →
5.20 loans · $8M · Saint Petersburg, FLFull record →
6.149 loans · $135M · Mukwonago, WIFull record →

11+ funded Padgett Business Services 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.

PADGETT BUSINESS ADVISORS - INDIANAPOLIS, INC in Indianapolis, IN — $1.8M (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
20 days
Approved
10/11/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Offices of Certified Public Accountants
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Northern Michigan Business Services, Inc in Traverse City, MI — $795K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$596K (75%)
Approved
12/16/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Offices of Certified Public Accountants
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Dynamic Accounting, LLC in Fargo, ND — $775K (2024) · purchase · Town and Country CU
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$581K (75%)
Approval → funding
31 days
Approved
5/31/2024
First disbursed
7/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Other Accounting Services
If you were the buyer here
Est. deal size
$861K
Est. down payment (10%)
$86K
Est. cash at closing
$118K
Monthly payment
$9,506
Annual debt service
$114K
Cash flow needed (1.25×)
$143K
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 Town and Country CU · Lender record →
Your business? Claim this record · Request removal
Dynamic Accounting, LLC in Fargo, ND — $100K (2024) · purchase · Town and Country CU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
28 days
Approved
6/3/2024
First disbursed
7/1/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Offices of Certified Public Accountants
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,267
Annual debt service
$15K
Cash flow needed (1.25×)
$19K
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 Town and Country CU · Lender record →
Your business? Claim this record · Request removal
Affinity Business Experts, Inc. in Kingston, NY — $435K (2023) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$326K (75%)
Approval → funding
29 days
Approved
5/31/2023
First disbursed
6/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Other Accounting Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Adservio, Inc. in Broomfield, CO — $415K (2022) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$311K (75%)
Approval → funding
5 days
Approved
1/26/2022
First disbursed
1/31/2022
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Offices of Certified Public Accountants
If you were the buyer here
Est. deal size
$461K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$4,351
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Padgett Advisors of Middle Tennessee Inc in Old Hickory, TN — $410K (2022) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$308K (75%)
Approval → funding
9 days
Approved
9/24/2022
First disbursed
10/3/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Tax Preparation Services
If you were the buyer here
Est. deal size
$456K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$5,083
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
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
KGC Properties LLC in Frankfort, IL — $449K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
180 mo (15 yrs)
SBA guaranteed
$337K (75%)
Approved
12/16/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Offices of Certified Public Accountants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
KGC ACCOUNTING INC.‎‎‎‎ in Frankfort, IL — $350K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$315K (90%)
Approval → funding
17 days
Approved
9/13/2021
First disbursed
9/30/2021
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
Offices of Certified Public Accountants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Darley Holdings LLC in Littleton, CO — $862K (2020) · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
309 months
SBA guaranteed
$647K (75%)
Approved
9/15/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Tax Preparation Services
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
786s52 dba padgett business services llc in Cypress, TX — $256K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.45% fixed
Term
180 mo (15 yrs)
SBA guaranteed
$192K (75%)
Approval → funding
13 days
Approved
12/18/2019
First disbursed
12/31/2019
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
Offices of Certified Public Accountants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Padgett Business Services? 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 Padgett Business Services businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Padgett Business Services 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.

$435K typical Padgett Business Services loan
7 lenders fund the brand
20 days typical to fund

Buyers researching a Padgett Business Services 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 Padgett Business Services record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/padgett-business-services
API:: https://www.capbench.com/api/public/lenders?franchise=padgett-business-services
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.