Health & Medical · lender intelligence

How to finance a Palm Beach Tan

State:

The SBA 7(a) lenders funding the most Palm Beach Tan deals, ranked from public loan records — typical Palm Beach Tan loan about $620K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Palm Beach Tan

$620K

Typical loan

range $295K–$2.54M

$689K

Est. purchase price

≈ loan ÷ 90%

$92,139

Cash to close

$68,889 down + fees

$8,023/mo

Typical payment

~9.5% · 10yr

$110,717/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

8.41%

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 Palm Beach Tan

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.13 loans · $18M · Roseburg, ORFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →

8+ funded Palm Beach Tan 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.

WEST COAST TANNING in Wildomar, CA — $350K (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
12/16/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
All Other Personal Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Vector Enterprises, LLC in Portland, OR — $50K (2025) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
12.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
34 days
Approved
5/7/2025
First disbursed
6/10/2025
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Partnership
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
CLE TANS LLC in Akron, OH — $295K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$221K (75%)
Approval → funding
21 days
Approved
6/21/2024
First disbursed
7/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CLE TANS LLC in Akron, OH — $25K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
6/21/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Old Trinity Partners, LLC in Dallas, TX — $4.2M (2021) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.2M (76%)
Approval → funding
103 days
Approved
9/17/2021
First disbursed
12/29/2021
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
84
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Bansi Tan LLC in Lancaster, PA — $920K (2021) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$828K (90%)
Approved
8/4/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
All Other Personal Services
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Old Trinity Partners, LLC in Dallas, TX — $620K (2021) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$558K (90%)
Approval → funding
103 days
Approved
9/17/2021
First disbursed
12/29/2021
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
84
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
TRUE WILL LLC in Carmel, IN — $2.5M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
8 days
Approved
9/17/2020
First disbursed
9/25/2020
Loan status
Paid in full (10/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
46
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$282K
Est. cash at closing
$389K
Monthly payment
$27,881
Annual debt service
$335K
Cash flow needed (1.25×)
$418K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Palm Beach Tan? 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 Palm Beach Tan businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Palm Beach Tan 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. The Huntington National Bank funds the most. CapBench is not a lender.

$620K typical Palm Beach Tan loan
5 lenders fund the brand
34 days typical to fund

Buyers researching a Palm Beach Tan 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 Palm Beach Tan 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/palm-beach-tan
API:: https://www.capbench.com/api/public/lenders?franchise=palm-beach-tan
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.