Franchise · lender intelligence

How to finance a Pillar To Post

State:

The SBA 7(a) lenders funding the most Pillar To Post deals, ranked from public loan records — typical Pillar To Post loan about $106K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Pillar To Post

$106K

Typical loan

range $46K–$285K

$118K

Est. purchase price

≈ loan ÷ 90%

$15,156

Cash to close

$11,767 down + fees

$1,550/mo

Typical payment

~12.5% · 10yr

$21,390/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

8.42%

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 Pillar To Post

Ranked by funded Pillar To Post 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 →
2.575 loans · $220M · De Graff, OHFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.2 loans · $0M · Pine Bluff, ARFull record →
5.12 loans · $14M · Mobile, ALFull record →
6.20 loans · $8M · Saint Petersburg, FLFull record →
7.168 loans · $205M · Fishers, INFull record →
8.1 loans · $1M · Brownsburg, INFull record →
9.75 loans · $98M · Sioux Falls, SDFull record →

15+ funded Pillar To Post 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.

Pillar To Post Professional Home Inspection - Wayne County in Rockwood, MI — $104K (2026) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$83K (80%)
Approval → funding
62 days
Approved
11/20/2025
First disbursed
1/21/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Pillar to Post Home Inspectors #231640 in Clermont, FL — $135K (2025) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$115K (85%)
Approval → funding
40 days
Approved
6/27/2025
First disbursed
8/6/2025
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
Building Inspection Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Pillar to Post 46932-1 in Wheat Ridge, CO — $640K (2024) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$480K (75%)
Approval → funding
1 days
Approved
4/10/2024
First disbursed
4/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Building Inspection Services
If you were the buyer here
Est. deal size
$711K
Est. down payment (10%)
$71K
Est. cash at closing
$95K
Monthly payment
$8,907
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
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
DJE Inspections LLC in Mentor, OH — $155K (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.62% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$116K (75%)
Approval → funding
1 days
Approved
4/3/2024
First disbursed
4/4/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Other Activities Related to Real Estate
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
VGM SOLUTIONS LLC in Westlake, FL — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
12 days
Approved
7/19/2024
First disbursed
7/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Building Inspection Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Carrothers Inspection Services, LLC in Brownsburg, IN — $106K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
111 months
SBA guaranteed
$90K (85%)
Approval → funding
6 days
Approved
12/22/2023
First disbursed
12/28/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Pillar to Post Home Inspectors in Brownsburg, IN — $320K (2023) · Hendricks County Bank and Trust Company
Program
7a General
Rate at approval
10.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
8 days
Approved
9/20/2023
First disbursed
9/28/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by Hendricks County Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Decision Insights, Inc DBA Pillar to Post in Palm Beach Gardens, FL — $101K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$86K (85%)
Approval → funding
15 days
Approved
7/18/2023
First disbursed
8/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Ridgewood Capital, LLC in Atlanta, GA — $76K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$64K (85%)
Approval → funding
135 days
Approved
10/25/2021
First disbursed
3/9/2022
Loan status
Paid in full (2/28/2023)
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
Building Inspection Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Team Starnes Home Inspectors LLC in Adams, TN — $46K (2022) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
79 months
SBA guaranteed
$39K (85%)
Approval → funding
11 days
Approved
12/20/2021
First disbursed
12/31/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Building Inspection Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Pillar to Post in Vancouver, WA — $1.3M (2021) · 22nd State Bank, A Division of 22nd State Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
240 mo (20 yrs)
SBA guaranteed
$1.2M (90%)
Approval → funding
5 days
Approved
5/21/2021
First disbursed
5/26/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
Heat Pro LLC in Grand Rapids, MI — $35K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$32K (90%)
Approval → funding
21 days
Approved
5/10/2021
First disbursed
5/31/2021
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Heat Pro LLC in Grand Rapids, MI — $20K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (75%)
Approval → funding
21 days
Approved
5/10/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Building Inspection Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Choice Home Inspections LLC in Lascassas, TN — $285K (2020) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
86 months
SBA guaranteed
$214K (75%)
Approval → funding
61 days
Approved
7/1/2020
First disbursed
8/31/2020
Loan status
Failed — $242K charged off (11/30/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Building Inspection Services
If you were the buyer here
Est. deal size
$317K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$4,086
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
Choice Home Inspections LLC in Lascassas, TN — $15K (2020) · purchase · Simmons Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
85 months
SBA guaranteed
$8K (50%)
Approval → funding
61 days
Approved
7/1/2020
First disbursed
8/31/2020
Loan status
Failed — $15K charged off (11/17/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Building Inspection Services
If you were the buyer here
Est. deal size
$17K
Est. down payment (10%)
$2K
Est. cash at closing
$2K
Monthly payment
$217
Annual debt service
$3K
Cash flow needed (1.25×)
$3K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Pillar To Post 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.

$106K typical Pillar To Post loan
10 lenders fund the brand
15 days typical to fund

Buyers researching a Pillar To Post 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 Pillar To Post 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/pillar-to-post
API:: https://www.capbench.com/api/public/lenders?franchise=pillar-to-post
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.