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How to finance a Payroll Vault

The SBA 7(a) lenders funding the most Payroll Vault deals, ranked from public loan records — typical Payroll Vault 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 Payroll Vault

$150K

Typical loan

range $120K–$150K

$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

18 days

Typical time to fund

4

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 Payroll Vault

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

  1. 1.575 loans · $220M · De Graff, OHFull record →
  2. 2.2 loans · $2M · Ridley Park, PAFull record →
  3. 3.1 loans · $1M · Raton, NMFull record →
  4. 4.1,025 loans · $292M · Berkeley Heights, NJFull record →

9+ funded Payroll Vault 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.

  • BUSINESS PAYROLL AND EMPLOYMENT SOLUTIONS, LLC in Penn Yan, NY — $150K (2024) · United Midwest Savings Bank National Association
  • Subvect Solutions Inc in Frisco, TX — $150K (2024) · United Midwest Savings Bank National Association
  • RVA Payroll Solutions, LLC in Henrico, VA — $150K (2022) · United Midwest Savings Bank National Association
  • J&J BUSINESS SERVICES LLC in Edison, NJ — $80K (2022) · United Midwest Savings Bank National Association
  • Out West Business Services LLC in Fort Collins, CO — $325K (2021) · InBank
  • BABYBIRD LLC in Farmington Hills, MI — $150K (2021) · United Midwest Savings Bank National Association
  • 3 Diamonds Business Solutions LLC in Havertown, PA — $125K (2021) · BHCU D/B/A Propell Credit Union
  • Haynes Group Consulting LLC in Argyle, TX — $100K (2021) · Readycap Lending, LLC
  • Mukendi Group, LLC in Snellville, GA — $120K (2020) · United Midwest Savings Bank National Association

Buying a Payroll Vault? 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.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Payroll Vault businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Payroll Vault 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 Payroll Vault loan
  • 4 lenders fund the brand
  • 18 days typical to fund

Buyers researching a Payroll Vault 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 dealTalk to a loan brokerPayroll Vault 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/payroll-vault
API:
https://www.capbench.com/api/public/lenders?franchise=payroll-vault
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.
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