Health & Medical · lender intelligence
How to finance a Spavia in Massachusetts
The SBA 7(a) lenders funding the most Spavia deals in Massachusetts, from public loan records — typical Spavia loan about $536K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Spavia in Massachusetts
$1.40M
Typical loan
range $1.40M–$1.40M
$1.56M
Est. purchase price
≈ loan ÷ 90%
$213,431
Cash to close
$155,556 down + fees
$18,116/mo
Typical payment
~9.5% · 10yr
$250,001/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
41 days
Typical time to fund
1
Lenders competing
more = leverage
6.75%
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 in Massachusetts
Ranked by funded Spavia loans in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.72 loans · $22M · Rockland, MAFull record →
1+ funded Spavia in Massachusetts 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.
- 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 →
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Buying a Spavia in Massachusetts? 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Spavia loans with a Massachusetts project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Spavia purchase in Massachusetts with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Massachusetts deals. Rockland Trust Company funds the most here. CapBench is not a lender.
- $536K typical Spavia loan
- 1 lenders active in Massachusetts
- 1+ funded Massachusetts deals
- 41 days typical to fund
Buyers buying a Spavia in Massachusetts 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.
- 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.
- 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.