Automotive · lender intelligence
How to finance a Spiffy
The SBA 7(a) lenders funding the most Spiffy deals, ranked from public loan records — typical Spiffy loan about $173K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Spiffy
$173K
Typical loan
range $100K–$173K
$192K
Est. purchase price
≈ loan ÷ 90%
$25,680
Cash to close
$19,200 down + fees
$2,529/mo
Typical payment
~12.5% · 10yr
$34,900/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
33 days
Typical time to fund
2
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 Spiffy
Ranked by funded Spiffy loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.154 loans · $26M · San Diego, CAFull record →
2+ funded Spiffy 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.
- Get Spiffy in Glen Burnie, MD — $173K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $147K (85%)
- Approval → funding
- 33 days
- Approved
- 5/4/2022
- First disbursed
- 6/6/2022
- 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
- Car Washes
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Black Axel, Inc. in Upland, CA — $100K (2021) · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (90%)
- Approved
- 5/5/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by CDC Small Business Finance Corp. · Lender record →
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Buying a Spiffy? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Spiffy businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Spiffy 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. CDC Small Business Finance Corp. funds the most. CapBench is not a lender.
- $173K typical Spiffy loan
- 2 lenders fund the brand
- 33 days typical to fund
Buyers researching a Spiffy 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.
- 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.
- 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.