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How to finance a Spray Net

The SBA 7(a) lenders funding the most Spray Net deals, ranked from public loan records — typical Spray Net loan about $150K, 15.63% failure rate across 42 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Spray Net

$150K

Typical loan

range $150K–$209K

$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

84.4%

Still performing

15.6% default · FY20–23

15 days

Typical time to fund

6

Lenders competing

more = leverage

8.21%

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 Spray Net

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

  1. 1.575 loans · $220M · De Graff, OHFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.318 loans · $229M · Osage Beach, MOFull record →
  4. 4.6 loans · $6M · Conway, ARFull record →
  5. 5.1,025 loans · $292M · Berkeley Heights, NJFull record →
  6. 6.15 loans · $15M · Houston, MOFull record →

42+ funded Spray Net 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.

  • SKYCANVAS COATINGS LLC in Allen, TX — $311K (2026) · The Huntington National Bank
  • DOUBLE W HOLDINGS, LLC in Scottsdale, AZ — $250K (2026) · United Midwest Savings Bank National Association
  • Kong Enterprises LLC in Lincoln, NE — $204K (2026) · First Bank of the Lake
  • Spray-Net in Lincoln, NE — $204K (2026) · First Bank of the Lake
  • SKYCANVAS COATINGS LLC in Allen, TX — $50K (2026) · The Huntington National Bank
  • SPRAY-NET ESSEX COUNTY in Orange, NJ — $292K (2025) · First Bank of the Lake
  • L&M Home Transformations Group LLC dba Spray-Net Southern Columbus in Circleville, OH — $100K (2025) · United Midwest Savings Bank National Association
  • Spray Net Charlotte in Raleigh, NC — $318K (2024) · First Bank of the Lake
  • PNW WILLAMETTE VALLEY VENTURES, LLC dba SPRAY-NET WILLAMETTE VALLEY in Salem, OR — $150K (2024) · United Midwest Savings Bank National Association
  • S & J Restoration Inc dba Spray-Net Woodlands in Spring, TX — $150K (2024) · United Midwest Savings Bank National Association
  • Graceland Ventures, Inc. in River Forest, IL — $350K (2023) · First Bank of the Lake
  • Spray-Net SLC South LLC in Bluffdale, UT — $310K (2023) · The Huntington National Bank
  • GREAT LAKES AMERICAN SERVICES, INC. in Lake Orion, MI — $261K (2023) · The Huntington National Bank
  • 2M Investments LLC in Miami, FL — $258K (2023) · The Huntington National Bank
  • Adelboden Painting LLC in Chattanooga, TN — $230K (2023) · The Bank of Houston
  • Jet Squared Inc in Williston, FL — $209K (2023) · The Huntington National Bank
  • Spray-Net Lexington in Lexington, KY — $169K (2023) · Readycap Lending, LLC
  • DD Baker LLC in Wadsworth, OH — $150K (2023) · United Midwest Savings Bank National Association
  • Spray-Net SLC South LLC in Bluffdale, UT — $40K (2023) · The Huntington National Bank
  • 2M Investments LLC in Miami, FL — $40K (2023) · The Huntington National Bank

Buying a Spray Net? 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.

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.

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

Agent summary

How to finance a Spray Net 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 Spray Net loan
  • 15.63% failure rate (FY20–23)
  • 6 lenders fund the brand
  • 15 days typical to fund

Buyers researching a Spray Net 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 dealTalk to a loan brokerSpray Net 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/spray-net
API:
https://www.capbench.com/api/public/lenders?franchise=spray-net
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.
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