Education & Childcare · lender intelligence

How to finance a STEMTREE

State:

The SBA 7(a) lenders funding the most STEMTREE deals, ranked from public loan records — typical STEMTREE loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance STEMTREE

$150K

Typical loan

range $135K–$297K

$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

40 days

Typical time to fund

Lenders competing

more = leverage

6.42%

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 STEMTREE

Ranked by funded STEMTREE 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 →
2.575 loans · $220M · De Graff, OHFull record →
3.19 loans · $5M · Columbus, OHFull record →
4.19 loans · $18M · Grand Rapids, MIFull record →
5.105 loans · $72M · Wilmington, DEFull record →

10+ funded STEMTREE 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.

ARCHANGEL DISCIPLINES LLC in Miami, FL — $297K (2023) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
130 months
SBA guaranteed
$222K (75%)
Approval → funding
23 days
Approved
5/9/2023
First disbursed
6/1/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
All Other Miscellaneous Schools and Instruction
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
Subtle Surprise Venture in Columbia, MD — $303K (2021) · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
123 months
SBA guaranteed
$273K (90%)
Approval → funding
123 days
Approved
9/10/2021
First disbursed
1/11/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Educational Support Services
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
Digital Horizons Inc. in Atlanta, GA — $200K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
123 months
SBA guaranteed
$180K (90%)
Approval → funding
13 days
Approved
4/22/2021
First disbursed
5/5/2021
Loan status
In liquidation
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
Exam Preparation and Tutoring
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Digital Horizons Inc. in Mableton, GA — $150K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
123 months
SBA guaranteed
$128K (85%)
Approved
12/8/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Exam Preparation and Tutoring
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Four Colors Ventures, LLC in Delaware, OH — $150K (2021) · Telhio Credit Union Inc
Program
7a General
Rate at approval
5.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
45 days
Approved
10/30/2020
First disbursed
12/14/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Exam Preparation and Tutoring
Funded by Telhio Credit Union Inc · Lender record →
Your business? Claim this record · Request removal
AMBLER EDUCATION LLC in Carmel, IN — $120K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$108K (90%)
Approval → funding
11 days
Approved
5/20/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Elementary and Secondary Schools
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
V.A.D.E.R Group LLC in Westerville, OH — $309K (2020) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
92 months
SBA guaranteed
$232K (75%)
Approval → funding
40 days
Approved
4/21/2020
First disbursed
5/31/2020
Loan status
In workout — SBA bought the guarantee
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
Exam Preparation and Tutoring
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Shiksha Group LLC in Ashburn, VA — $135K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$114K (85%)
Approved
10/1/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Exam Preparation and Tutoring
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Shiksha Group LLC in Ashburn, VA — $135K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$114K (85%)
Approval → funding
20 days
Approved
10/11/2019
First disbursed
10/31/2019
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Exam Preparation and Tutoring
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
V.A.D.E.R Group LLC in Westerville, OH — $25K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
313 days
Approved
4/21/2020
First disbursed
2/28/2021
Loan status
In liquidation
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Exam Preparation and Tutoring
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a STEMTREE? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a STEMTREE 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.

$150K typical STEMTREE loan
6 lenders fund the brand
40 days typical to fund

Buyers researching a STEMTREE 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 STEMTREE record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/stemtree
API:: https://www.capbench.com/api/public/lenders?franchise=stemtree
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.