Franchise · lender intelligence

How to finance a Shack Shine

State:

The SBA 7(a) lenders funding the most Shack Shine deals, ranked from public loan records — typical Shack Shine loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Shack Shine

$150K

Typical loan

range $150K–$410K

$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

9 days

Typical time to fund

Lenders competing

more = leverage

8.66%

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 Shack Shine

Ranked by funded Shack Shine 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 →
2.116 loans · $120M · Evansville, INFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.20 loans · $8M · Saint Petersburg, FLFull record →
5.42 loans · $19M · Louisville, KYFull record →

8+ funded Shack Shine 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.

SSCN, LLC in Glenview, IL — $410K (2024) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$307K (75%)
Approval → funding
9 days
Approved
3/6/2024
First disbursed
3/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
Est. deal size
$455K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$4,861
Annual debt service
$58K
Cash flow needed (1.25×)
$73K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
L&C VENTURES LLC in Lakewood, CO — $193K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$145K (75%)
Approval → funding
7 days
Approved
11/14/2023
First disbursed
11/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SSCN, LLC in Glenview, IL — $150K (2024) · purchase · Old National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
9 days
Approved
3/6/2024
First disbursed
3/15/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,024
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Blackwell Homes Services, Inc. in Ormond Beach, FL — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
6 days
Approved
4/16/2024
First disbursed
4/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Other Services to Buildings and Dwellings
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
L&C VENTURES LLC in Lakewood, CO — $20K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approved
11/14/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Tyler Ventures LLC in Tampa, FL — $469K (2021) · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
3.5% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$422K (90%)
Approval → funding
28 days
Approved
9/2/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
My 3 Sons LLC in Humble, TX — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
0 days
Approved
12/11/2020
First disbursed
12/11/2020
Loan status
Current
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
Residential Remodelers
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
B&R House Services LLC in Chantilly, VA — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approval → funding
14 days
Approved
8/17/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Shack Shine? 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.

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 Shack Shine businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Shack Shine 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 Shack Shine loan
5 lenders fund the brand
9 days typical to fund

Buyers researching a Shack Shine 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 Shack Shine 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/shack-shine
API:: https://www.capbench.com/api/public/lenders?franchise=shack-shine
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.