Automotive · lender intelligence

How to finance a Snap-On in California

State:

The SBA 7(a) lenders funding the most Snap-On deals in California, from public loan records — typical Snap-On loan about $150K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Snap-On in California

$100K

Typical loan

range $90K–$218K

$111K

Est. purchase price

≈ loan ÷ 90%

$14,311

Cash to close

$11,111 down + fees

$1,464/mo

Typical payment

~12.5% · 10yr

$20,203/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

32 days

Typical time to fund

Lenders competing

more = leverage

9.68%

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 Snap-On in California

Ranked by funded Snap-On loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.3 loans · $2M · Minneapolis, MNFull record →
2.618 loans · $171M · Salt Lake City, UTFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →
4.6 loans · $10M · San Gabriel, CAFull record →
5.105 loans · $51M · Fitzgerald, GAFull record →
6.20 loans · $8M · Saint Petersburg, FLFull record →

7+ funded Snap-On in California 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.

DURAN OPERATIONS LLC in Tulare, CA — $218K (2026) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$186K (85%)
Approval → funding
23 days
Approved
1/5/2026
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Power-Driven Handtool Manufacturing
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
Johnson Tools LLC in Apple Valley, CA — $100K (2025) · Zions Bank, A Division of
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
12.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
154 days
Approved
3/24/2025
First disbursed
8/25/2025
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
SRP INC in Sunnyvale, CA — $100K (2023) · Colony Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
14.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
2 days
Approved
9/20/2023
First disbursed
9/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous Retailers
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
NNN Construction Services in Pacifica, CA — $931K (2022) · Mega Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$698K (75%)
Approval → funding
0 days
Approved
6/10/2022
First disbursed
6/10/2022
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Building Finishing Contractors
Funded by Mega Bank · Lender record →
Your business? Claim this record · Request removal
Bargas Tools, LLC in Ontario, CA — $120K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$102K (85%)
Approval → funding
7 days
Approved
6/1/2022
First disbursed
6/8/2022
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
Hardware Retailers
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Easom Tools LLC in Redwood City, CA — $90K (2020) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$77K (85%)
Approval → funding
32 days
Approved
10/29/2019
First disbursed
11/30/2019
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 Direct Selling Establishments
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
LENGA&LENGA LLC in Moreno Valley, CA — $50K (2020) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
60 days
Approved
12/31/2019
First disbursed
2/29/2020
Loan status
Paid in full (10/31/2025)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Hardware Merchant Wholesalers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Snap-On in California? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — 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 Snap-On loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Snap-On purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Northeast Bank funds the most here. CapBench is not a lender.

$150K typical Snap-On loan
7 lenders active in California
7+ funded California deals
32 days typical to fund

Buyers buying a Snap-On in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Snap-On lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/snap-on/california
API:: https://www.capbench.com/api/public/lenders?franchise=snap-on
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.