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How to finance a Spray Net in Texas
The SBA 7(a) lenders funding the most Spray Net deals in Texas, from public loan records — typical Spray Net loan about $150K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Spray Net in Texas
$150K
Typical loan
range $100K–$181K
$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
15 days
Typical time to fund
3
Lenders competing
more = leverage
6.88%
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 in Texas
Ranked by funded Spray Net loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.575 loans · $220M · De Graff, OHFull record →
- 2.6 loans · $6M · Conway, ARFull record →
- 3.2,539 loans · $965M · Columbus, OHFull record →
10+ funded Spray Net in Texas 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
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $233K (75%)
- Approval → funding
- 12 days
- Approved
- 2/11/2026
- First disbursed
- 2/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by The Huntington National Bank · Lender record →
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- SKYCANVAS COATINGS LLC in Allen, TX — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/11/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by The Huntington National Bank · Lender record →
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- S & J Restoration Inc dba Spray-Net Woodlands in Spring, TX — $150K (2024) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 52 days
- Approved
- 4/9/2024
- First disbursed
- 5/31/2024
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- GHIJ, LLC in Mckinney, TX — $201K (2022) · Centennial Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% variable
- Term
- 126 months
- SBA guaranteed
- $101K (50%)
- Approved
- 1/3/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Siding Contractors
Funded by Centennial Bank · Lender record →
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- GHIJ, LLC in Mckinney, TX — $181K (2022) · Centennial Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $136K (75%)
- Approval → funding
- 15 days
- Approved
- 3/29/2022
- First disbursed
- 4/13/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal
- GHIJ, LLC in Mckinney, TX — $100K (2022) · Centennial Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% variable
- Term
- 12 mo (1 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 1/3/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Siding Contractors
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal
- GHIJ, LLC in Mckinney, TX — $100K (2022) · Centennial Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 15 days
- Approved
- 3/29/2022
- First disbursed
- 4/13/2022
- Loan status
- In liquidation
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal
- Texas Renovation Services LLC in Lewisville, TX — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 102 months
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 25 days
- Approved
- 5/6/2021
- First disbursed
- 5/31/2021
- Loan status
- Failed — $81K charged off (8/29/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- DNK Home Service LLC in Baytown, TX — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 109 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 14 days
- Approved
- 11/16/2020
- First disbursed
- 11/30/2020
- Loan status
- Failed — $142K charged off (2/5/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- JJRP INVESTMENTS, Inc. in Missouri City, TX — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 107 months
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 14 days
- Approved
- 6/16/2021
- First disbursed
- 6/30/2021
- Loan status
- Failed — $77K charged off (4/11/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Painting and Wall Covering Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Spray Net in Texas? 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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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 Spray Net loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Spray Net purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. United Midwest Savings Bank National Association funds the most here. CapBench is not a lender.
- $150K typical Spray Net loan
- 3 lenders active in Texas
- 10+ funded Texas deals
- 15 days typical to fund
Buyers buying a Spray Net in Texas 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 2026-06-17.
- 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.