Franchise · lender intelligence

How to finance a Pop-A-Lock

State:

The SBA 7(a) lenders funding the most Pop-A-Lock deals, ranked from public loan records — typical Pop-A-Lock loan about $2.1M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Pop-A-Lock

$2.07M

Typical loan

range $398K–$2.11M

$2.30M

Est. purchase price

≈ loan ÷ 90%

$317,077

Cash to close

$230,222 down + fees

$26,811/mo

Typical payment

~9.5% · 10yr

$369,992/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

42 days

Typical time to fund

Lenders competing

more = leverage

7.68%

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 Pop-A-Lock

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

1.31 loans · $32M · Phoenix, AZFull record →
2.868 loans · $362M · Salt Lake City, UTFull record →
3.4 loans · $2M · Abbeville, LAFull record →

5+ funded Pop-A-Lock 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.

Asheville Locksmith LLC in Hendersonville, NC — $398K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$299K (75%)
Approval → funding
10 days
Approved
1/28/2025
First disbursed
2/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Locksmiths
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
St Michael Security LLC in Carencro, LA — $2.1M (2023) · Gulf Coast Bank
Program
7a General
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$1.6M (75%)
Approval → funding
33 days
Approved
3/29/2023
First disbursed
5/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Locksmiths
Funded by Gulf Coast Bank · Lender record →
Your business? Claim this record · Request removal
NAVYA HOSPITALITY LLC in Ardmore, OK — $2.7M (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
54 days
Approved
7/8/2020
First disbursed
8/31/2020
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$301K
Est. cash at closing
$416K
Monthly payment
$17,480
Annual debt service
$210K
Cash flow needed (1.25×)
$262K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Rebel Locks Inc. in Las Vegas, NV — $2.1M (2020) · purchase · Western Alliance Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
42 days
Approved
11/19/2019
First disbursed
12/31/2019
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$235K
Est. cash at closing
$324K
Monthly payment
$23,479
Annual debt service
$282K
Cash flow needed (1.25×)
$352K
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 Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
Rebel Locks Inc. in Las Vegas, NV — $100K (2020) · purchase · Western Alliance Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
163 days
Approved
11/19/2019
First disbursed
4/30/2020
Loan status
Paid in full (12/31/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,546
Annual debt service
$19K
Cash flow needed (1.25×)
$23K
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 Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Pop-A-Lock? 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 Pop-A-Lock businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Pop-A-Lock 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. Western Alliance Bank funds the most. CapBench is not a lender.

$2.1M typical Pop-A-Lock loan
4 lenders fund the brand
42 days typical to fund

Buyers researching a Pop-A-Lock 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 Pop-A-Lock 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/pop-a-lock
API:: https://www.capbench.com/api/public/lenders?franchise=pop-a-lock
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.