Home & Trade Services · lender intelligence
How to finance a Restoration 1
The SBA 7(a) lenders funding the most Restoration 1 deals, ranked from public loan records — typical Restoration 1 loan about $150K, 16.67% failure rate across 60 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Restoration 1
$150K
Typical loan
range $110K–$250K
$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
83.3%
Still performing
16.7% default · FY20–23
18 days
Typical time to fund
20
Lenders competing
more = leverage
8.2%
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 Restoration 1
Ranked by funded Restoration 1 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 →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
- 4.1 loans · $1M · Cuba, MOFull record →
- 5.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 6.3,264 loans · $846M · Miami, FLFull record →
- 7.19 loans · $5M · Roseville, CAFull record →
- 8.8 loans · $10M · Jenks, OKFull record →
- 9.54 loans · $64M · Los Angeles, CAFull record →
- 10.1 loans · $1M · Raton, NMFull record →
- 11.20 loans · $8M · Saint Petersburg, FLFull record →
- 12.1 loans · $0M · Denver, COFull record →
- 13.26 loans · $31M · Baton Rouge, LAFull record →
- 14.62 loans · $21M · Saint Cloud, MNFull record →
- 15.1,322 loans · $185M · Wilmington, DEFull record →
60+ funded Restoration 1 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.
- Cleveland Restoration Company LLC in Cleveland, OH — $210K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approved
- 2/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by Live Oak Banking Company · Lender record →
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- RNC VENTURES LLC in Grand Rapids, MI — $101K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $76K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by The Huntington National Bank · Lender record →
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- Safeguard Restoration Group LLC in Cambridge, MA — $630K (2025) · purchase · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $473K (75%)
- Approved
- 10/18/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $700K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $94K
- Monthly payment
- $8,589
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $129K
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 →
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- R&D Restoration Inc in Concord, NC — $500K (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 63 days
- Approved
- 10/24/2024
- First disbursed
- 12/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Newtek Bank, National Association · Lender record →
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- RESTORATION ONE OF SOUTHWEST FLORIDA INC. in Fort Myers, FL — $150K (2025) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.05% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 6 days
- Approved
- 8/22/2025
- First disbursed
- 8/28/2025
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Residential Remodelers
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- R&D Restoration Inc. in Concord, NC — $100K (2025) · Newtek Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 8 days
- Approved
- 12/18/2024
- First disbursed
- 12/26/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Newtek Bank, National Association · Lender record →
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- RESTORATION LEGACY GROUP LLC in Belleville, MI — $36K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $31K (85%)
- Approval → funding
- 14 days
- Approved
- 3/10/2025
- First disbursed
- 3/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by The Huntington National Bank · Lender record →
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- Strategic Business Holdings in Irvine, CA — $2.0M (2024) · City National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.58% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 28 days
- Approved
- 8/29/2024
- First disbursed
- 9/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Surgical and Medical Instrument Manufacturing
Funded by City National Bank · Lender record →
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- RESTORATION 1 TUCSON LLC in Tucson, AZ — $999K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 110 months
- SBA guaranteed
- $749K (75%)
- Approval → funding
- 10 days
- Approved
- 8/19/2024
- First disbursed
- 8/29/2024
- 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
- 6
- Business age
- New Business or 2 years or less
- Industry
- All Other Specialty Trade Contractors
Funded by Readycap Lending, LLC · Lender record →
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- Restoration 1 of Central Denver in Denver, CO — $589K (2024) · InBank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $442K (75%)
- Approval → funding
- 38 days
- Approved
- 9/13/2024
- First disbursed
- 10/21/2024
- 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
- 7
- Business age
- New Business or 2 years or less
- Industry
- Remediation Services
Funded by InBank · Lender record →
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- CF & J Investment Group, LLC in Richardson, TX — $432K (2024) · First Oklahoma Bank
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $324K (75%)
- Approval → funding
- 34 days
- Approved
- 7/19/2024
- First disbursed
- 8/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by First Oklahoma Bank · Lender record →
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- Restoration 1 of NW Cobb in Dallas, GA — $288K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $216K (75%)
- Approval → funding
- 33 days
- Approved
- 7/30/2024
- First disbursed
- 9/1/2024
- 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
- Residential Remodelers
Funded by Readycap Lending, LLC · Lender record →
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- DOWDELL RESTORATION LLC in Newport, KY — $271K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 13 days
- Approved
- 2/23/2024
- First disbursed
- 3/7/2024
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by The Huntington National Bank · Lender record →
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- Restoration 1 in Blue Springs, MO — $261K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $196K (75%)
- Approval → funding
- 17 days
- Approved
- 9/14/2024
- First disbursed
- 10/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Residential Remodelers
Funded by Readycap Lending, LLC · Lender record →
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- Doak Enterprise, LLC in Augusta, GA — $250K (2024) · Bank of America, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 23 days
- Approved
- 12/17/2023
- First disbursed
- 1/9/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Residential Remodelers
Funded by Bank of America, National Association · Lender record →
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- HH&N Production LLC in Braxton, MS — $228K (2024) · Peoples Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $193K (85%)
- Approval → funding
- 35 days
- Approved
- 4/23/2024
- First disbursed
- 5/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Residential Remodelers
Funded by Peoples Bank · Lender record →
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- McBrady Restoration in Park Rapids, MN — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 10/20/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by BayFirst National Bank · Lender record →
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- DOWDELL RESTORATION LLC in Newport, KY — $20K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approved
- 2/23/2024
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by The Huntington National Bank · Lender record →
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- JRust Ventures LLC in Englewood, CO — $350K (2023) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 7 days
- Approved
- 2/15/2023
- First disbursed
- 2/22/2023
- Loan status
- Paid in full (10/31/2024)
- 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
- Remediation Services
Funded by Five Star Bank · Lender record →
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- Ever Endeavors Corporation in Reseda, CA — $235K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $176K (75%)
- Approval → funding
- 6 days
- Approved
- 12/7/2022
- First disbursed
- 12/13/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by The Huntington National Bank · Lender record →
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Buying a Restoration 1? 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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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 Restoration 1 businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Restoration 1 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 Restoration 1 loan
- 16.67% failure rate (FY20–23)
- 20 lenders fund the brand
- 18 days typical to fund
Buyers researching a Restoration 1 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.
- 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.
- 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.