Business Services · lender intelligence

How to finance a Schooley Mitchell

State:

The SBA 7(a) lenders funding the most Schooley Mitchell deals, ranked from public loan records — typical Schooley Mitchell loan about $150K, 9.09% failure rate across 49 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Schooley Mitchell

$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

90.9%

Still performing

9.1% default · FY20–23

14 days

Typical time to fund

Lenders competing

more = leverage

8.46%

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 Schooley Mitchell

Ranked by funded Schooley Mitchell 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 →
2.1,025 loans · $292M · Berkeley Heights, NJFull record →
3.20 loans · $8M · Saint Petersburg, FLFull record →
4.2 loans · $0M · Pine Bluff, ARFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.9 loans · $10M · Garden City Park, NYFull record →
7.24 loans · $13M · Pikeville, KYFull record →
8.3 loans · $2M · Woburn, MAFull record →
9.154 loans · $26M · San Diego, CAFull record →

49+ funded Schooley Mitchell 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.

Colin Alexander Consulting LLC in Tallahassee, FL — $75K (2026) · Hanover Community Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$64K (85%)
Approval → funding
27 days
Approved
11/13/2025
First disbursed
12/10/2025
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
Other Management Consulting Services
Funded by Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
PROVIDENCE OPTIMIZATION SPECIALTIES - 2441 LLC dba SCHOOLEY MITCHELL OF VANCOUVE in Vancouver, WA — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
9 days
Approved
4/16/2025
First disbursed
4/25/2025
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
NeuroThink Consulting LLC dba Schooley Mitchell of Houston - Taylor in Houston, TX — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
8 days
Approved
5/7/2025
First disbursed
5/15/2025
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Kite Enterprises LLC dba DBA Schooley Mitchell of Roy - Merriam in Roy, UT — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
32 days
Approved
6/20/2025
First disbursed
7/22/2025
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
MY CATS MEOW LLC dba SCHOOLEY MITCHELL OF JACKSONVILLE - ANDERSON in Jacksonville, FL — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
10 days
Approved
10/18/2024
First disbursed
10/28/2024
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Roberts Consulting LLC dba Schooley Mitchell of Boulder - Roberts in Boulder, CO — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
58 days
Approved
11/12/2024
First disbursed
1/9/2025
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Schooley Mitchell of Philadelphia-Sullivan in Havertown, PA — $57K (2025) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
12.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$48K (85%)
Approval → funding
9 days
Approved
7/8/2025
First disbursed
7/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Administrative Management and General Management Consulting
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Schooley Mitchell of Colorado Springs - Tankersley in Colorado Springs, CO — $50K (2025) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
14% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approval → funding
15 days
Approved
1/29/2025
First disbursed
2/13/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Other Management Consulting Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
MY CATS MEOW LLC dba SCHOOLEY MITCHELL OF JACKSONVILLE - ANDERSON in Jacksonville, 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%)
Approved
6/12/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
CT COST REDUCTION CONSULTANTS, LLC dba SCHOOLEY MITCHELL OF EFFINGHAM COUNTY - T in Teutopolis, IL — $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
4 days
Approved
3/1/2024
First disbursed
3/5/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
PROSPEREON, LLC in Westerville, OH — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
110 months
SBA guaranteed
$128K (85%)
Approval → funding
10 days
Approved
9/16/2024
First disbursed
9/26/2024
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
4
Business age
Startup, Loan Funds will Open Business
Industry
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
MAT Consulting in Mc Lean, VA — $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
13 days
Approved
10/19/2023
First disbursed
11/1/2023
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
O&S CONSULTING, LLC dba SCHOOLEY MITCHELL OF WESLEY CHAPEL - MUHAMMAD in Wesley Chapel, 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
4 days
Approved
11/24/2023
First disbursed
11/28/2023
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Bull Communications, Inc. dba SCHOOLEY MITCHELL OF JACKSONVILLE/ST AUGUSTINE in Saint Augustine, 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%)
Approved
12/9/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
McFarland Business Solutions, Inc. dba Schooley Mitchell of Memphis - McFarland in Memphis, TN — $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
37 days
Approved
12/10/2023
First disbursed
1/16/2024
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Schooley Mitchell Piqua Curtis in Piqua, OH — $100K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
43 days
Approved
1/19/2024
First disbursed
3/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Business age
Startup, Loan Funds will Open Business
Industry
Business and Secretarial Schools
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Schooley Mitchell Richmond LLC in Arlington, VA — $180K (2023) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$90K (50%)
Approval → funding
23 days
Approved
12/13/2022
First disbursed
1/5/2023
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Process, Physical Distribution, and Logistics Consulting Ser
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
MGM CONSULTING, LLC in Portland, OR — $150K (2023) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
8 days
Approved
2/13/2023
First disbursed
2/21/2023
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
Administrative Management and General Management Consulting
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
MOULTON CONSULTING GROUP LLC in Snowflake, AZ — $150K (2023) · 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
14 days
Approved
9/20/2023
First disbursed
10/4/2023
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
Other Management Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Fundi Consulting Group, LLC in Royal Oak, MI — $150K (2023) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
15 days
Approved
3/21/2023
First disbursed
4/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Other Management Consulting Services
Funded by BayFirst National 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 Schooley Mitchell businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Schooley Mitchell 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 Schooley Mitchell loan
9.09% failure rate (FY20–23)
9 lenders fund the brand
14 days typical to fund

Buyers researching a Schooley Mitchell 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 Schooley Mitchell 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/schooley-mitchell
API:: https://www.capbench.com/api/public/lenders?franchise=schooley-mitchell
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.