Franchise · lender intelligence

How to finance a Royal Restrooms

State:

The SBA 7(a) lenders funding the most Royal Restrooms deals, ranked from public loan records — typical Royal Restrooms loan about $660K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Royal Restrooms

$660K

Typical loan

range $200K–$3.75M

$733K

Est. purchase price

≈ loan ÷ 90%

$98,083

Cash to close

$73,333 down + fees

$8,540/mo

Typical payment

~9.5% · 10yr

$117,852/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

7.5%

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 Royal Restrooms

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

1.30 loans · $24M · Kansas City, MOFull record →
2.11 loans · $4M · Forest, VAFull record →
3.3 loans · $1M · Fort Pierre, SDFull record →

4+ funded Royal Restrooms 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.

Mountain West Site Services LLC in Salt Lake City, UT — $3.8M (2026) · purchase · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.88% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.8M (75%)
Approved
3/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Other Commercial and Industrial Machinery and Equipment Rent
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$417K
Est. cash at closing
$577K
Monthly payment
$43,367
Annual debt service
$520K
Cash flow needed (1.25×)
$651K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mountain West Site Services LLC in Salt Lake City, UT — $200K (2026) · purchase · UMB Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.88% variable
Term
60 mo (5 yrs)
SBA guaranteed
$100K (50%)
Approved
3/30/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Other Commercial and Industrial Machinery and Equipment Rent
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$3,949
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Royal Restrooms of Virginia, LLC in Lynchburg, VA — $135K (2024) · Select Bank
Program
7a General
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$115K (85%)
Approval → funding
27 days
Approved
8/15/2024
First disbursed
9/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Other Commercial and Industrial Machinery and Equipment Rent
Funded by Select Bank · Lender record →
Your business? Claim this record · Request removal
Royal Restrooms of Virginia, LLC in Lynchburg, VA — $660K (2022) · First National Bank
Program
7a General
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$495K (75%)
Approval → funding
21 days
Approved
2/2/2022
First disbursed
2/23/2022
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Commercial and Industrial Machinery and Equipment Rent
Funded by First National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Royal Restrooms? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Royal Restrooms 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. UMB Bank, National Association funds the most. CapBench is not a lender.

$660K typical Royal Restrooms loan
3 lenders fund the brand
27 days typical to fund

Buyers researching a Royal Restrooms 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 Royal Restrooms 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/royal-restrooms
API:: https://www.capbench.com/api/public/lenders?franchise=royal-restrooms
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.