Health & Medical · lender intelligence

How to finance a Spavia

State:

The SBA 7(a) lenders funding the most Spavia deals, ranked from public loan records — typical Spavia loan about $536K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Spavia

$536K

Typical loan

range $150K–$625K

$596K

Est. purchase price

≈ loan ÷ 90%

$79,701

Cash to close

$59,589 down + fees

$6,940/mo

Typical payment

~9.5% · 10yr

$95,772/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

36 days

Typical time to fund

Lenders competing

more = leverage

8.74%

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 Spavia

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.34 loans · $19M · Arden Hills, MNFull record →
3.1,322 loans · $185M · Wilmington, DEFull record →
4.60 loans · $40M · Clayton, MOFull record →
5.88 loans · $96M · Muncie, INFull record →
6.72 loans · $22M · Rockland, MAFull record →
7.70 loans · $22M · Melrose, MNFull record →
8.62 loans · $21M · Saint Cloud, MNFull record →
9.168 loans · $205M · Fishers, INFull record →
10.20 loans · $8M · Saint Petersburg, FLFull record →
11.105 loans · $164M · Brookline, MAFull record →

19+ funded Spavia 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.

MTK Spa Holdings Limited Liability Company in Louisville, CO — $578K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$434K (75%)
Approval → funding
28 days
Approved
1/16/2026
First disbursed
2/13/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
AurabBloom L.L.C. in Washington, DC — $484K (2026) · Magnifi Financial CU
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
123 months
SBA guaranteed
$363K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
MTK Spa Holdings Limited Liability Company in Louisville, CO — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/16/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Elm Collective LLC in Littleton, MA — $1.4M (2025) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
41 days
Approved
9/26/2025
First disbursed
11/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$213K
Monthly payment
$16,075
Annual debt service
$193K
Cash flow needed (1.25×)
$241K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
M&M HEAVEN CORPORATION in Greenville, SC — $617K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$463K (75%)
Approval → funding
43 days
Approved
5/27/2025
First disbursed
7/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
All Other Personal Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BOSSY BETTY LLC in Lakewood, CO — $595K (2025) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$446K (75%)
Approval → funding
37 days
Approved
5/27/2025
First disbursed
7/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Spavia in Chicago, IL — $150K (2025) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
12.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
5 days
Approved
2/19/2025
First disbursed
2/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
All Other Personal Services
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
M&M HEAVEN CORPORATION in Mauldin, SC — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
90 days
Approved
5/30/2025
First disbursed
8/28/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
All Other Personal Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Spavia in Fishers, IN — $332K (2024) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$249K (75%)
Approval → funding
4 days
Approved
2/5/2024
First disbursed
2/9/2024
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Grand Escape Wellness, LLC in Apple Valley, MN — $766K (2023) · Frandsen Bank and Trust
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$575K (75%)
Approval → funding
9 days
Approved
9/20/2023
First disbursed
9/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Etlon Spa Group, LLC in Minnetonka, MN — $755K (2023) · Frandsen Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$566K (75%)
Approval → funding
10 days
Approved
9/8/2023
First disbursed
9/18/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Kingdom Spa LLC in Ankeny, IA — $503K (2023) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$377K (75%)
Approved
11/22/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$559K
Est. down payment (10%)
$56K
Est. cash at closing
$75K
Monthly payment
$6,306
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Kingdom Spa LLC in Ankeny, IA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
11/22/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Diversity Capital Partners LLC in Westminster, CO — $745K (2021) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$671K (90%)
Approval → funding
10 days
Approved
7/21/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$828K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$8,271
Annual debt service
$99K
Cash flow needed (1.25×)
$124K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
WELLNESS 360, LLC in Charlotte, NC — $560K (2021) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$504K (90%)
Approval → funding
47 days
Approved
4/23/2021
First disbursed
6/9/2021
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
Startup, Loan Funds will Open Business
Industry
All Other Personal Services
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Diversity Real Estate Partners LLC in Boulder, CO — $318K (2021) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$286K (90%)
Approval → funding
82 days
Approved
2/10/2021
First disbursed
5/3/2021
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Other Personal Care Services
If you were the buyer here
Est. deal size
$353K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$3,530
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Maxjack2, LLC in Clark, NJ — $625K (2020) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approval → funding
36 days
Approved
2/24/2020
First disbursed
3/31/2020
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Nayrouz Goodness, LLC in Fredericksburg, VA — $536K (2020) · Uwharrie Bank
Program
7a General
Rate at approval
8% variable
Term
126 months
SBA guaranteed
$402K (75%)
Approval → funding
120 days
Approved
12/2/2019
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Uwharrie Bank
Your business? Claim this record · Request removal
Maxjack2, LLC in Clark, NJ — $75K (2020) · TD Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
21 days
Approved
3/10/2020
First disbursed
3/31/2020
Loan status
Paid in full (3/31/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Spavia? Start with a lender that has funded the brand

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

Agent summary

How to finance a Spavia 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. The Huntington National Bank funds the most. CapBench is not a lender.

$536K typical Spavia loan
12 lenders fund the brand
36 days typical to fund

Buyers researching a Spavia 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 Spavia 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/spavia
API:: https://www.capbench.com/api/public/lenders?franchise=spavia
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.