Home & Trade Services · lender intelligence

How to finance a Surface Experts

State:

The SBA 7(a) lenders funding the most Surface Experts deals, ranked from public loan records — typical Surface Experts loan about $150K, 0% failure rate across 41 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Surface Experts

$150K

Typical loan

range $150K–$177K

$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

Lenders competing

more = leverage

8.87%

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 Surface Experts

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

1.575 loans · $220M · De Graff, OHFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.1,927 loans · $207M · Buffalo, NYFull record →
4.1,025 loans · $292M · Berkeley Heights, NJFull record →
5.97 loans · $96M · Raleigh, NCFull record →
6.8 loans · $7M · Dickson, TNFull record →
7.3,264 loans · $846M · Miami, FLFull record →
8.11 loans · $19M · Fort Lauderdale, FLFull record →
9.318 loans · $229M · Osage Beach, MOFull record →
10.284 loans · $254M · Cincinnati, OHFull record →
11.20 loans · $8M · Saint Petersburg, FLFull record →
12.62 loans · $21M · Saint Cloud, MNFull record →
13.4 loans · $5M · Norwalk, IAFull record →

41+ funded Surface Experts 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.

Heatherly Enterprises, LLC in Aubrey, TX — $300K (2026) · OptimumBank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
57 days
Approved
12/2/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Building Finishing Contractors
Funded by OptimumBank · Lender record →
Your business? Claim this record · Request removal
Recuro LLC in White Plains, NY — $257K (2026) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$192K (75%)
Approval → funding
53 days
Approved
11/14/2025
First disbursed
1/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Anthro Experience Inc. in Columbus, OH — $242K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$181K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Six Fix A Lot Inc in Peoria, AZ — $188K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$141K (75%)
Approval → funding
42 days
Approved
11/25/2025
First disbursed
1/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
NORTH SHERIDAN SURFACES, LLC dba SURFACE EXPERTS CHICAGO NORTH in Evanston, IL — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
16 days
Approved
11/19/2025
First disbursed
12/5/2025
Loan status
Current
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
Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Six Fix A Lot Inc in Peoria, AZ — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/25/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Anthro Experience Inc. in Columbus, OH — $30K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
2/25/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Recuro LLC in White Plains, NY — $25K (2026) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
11/14/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
A.K. Ventures LLC in Parker, CO — $500K (2025) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
3 days
Approved
10/15/2024
First disbursed
10/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Surface Experts of Northeast Georgia in Roswell, GA — $250K (2025) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
40 days
Approved
8/20/2025
First disbursed
9/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ERIS UNLIMITED, CORP. in Chandler, AZ — $239K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$179K (75%)
Approval → funding
23 days
Approved
11/27/2024
First disbursed
12/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
MEAD7 GOAL9 LLC dba Surface Experts NW Atlanta in Kennesaw, GA — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
16 days
Approved
7/7/2025
First disbursed
7/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
LMS INTERIOR REPAIR LLC dba SURFACE EXPERTS OF PENSACOLA in Pensacola, FL — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
1 days
Approved
8/26/2025
First disbursed
8/27/2025
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
Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Surface Experts of Austin West in Austin, TX — $150K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
64 days
Approved
3/13/2025
First disbursed
5/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
JMO SOLUTIONS LLC in Greenwood, IN — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
10 days
Approved
4/22/2025
First disbursed
5/2/2025
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
Other Building Finishing Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Benway Surface Experts, LLC in Oviedo, FL — $25K (2025) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
5/30/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Commercial and Institutional Building Construction
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
ERIS UNLIMITED, CORP. in Chandler, AZ — $20K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approved
11/27/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal and Household Goods Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Coastal Trail, LLC dba Surface Experts of San Francisco North in Mill Valley, CA — $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
21 days
Approved
9/19/2024
First disbursed
10/10/2024
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
Other Building Finishing Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Surface Experts Boston - North in Reading, MA — $238K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$178K (75%)
Approval → funding
48 days
Approved
3/8/2023
First disbursed
4/25/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Residential Remodelers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
DRL ENTERPRISES LLC in Westborough, MA — $228K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$171K (75%)
Approval → funding
3 days
Approved
5/9/2023
First disbursed
5/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
All Other Specialty Trade Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Surface Experts 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 Surface Experts loan
0% failure rate (FY20–23)
13 lenders fund the brand
15 days typical to fund

Buyers researching a Surface Experts 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 Surface Experts 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/surface-experts
API:: https://www.capbench.com/api/public/lenders?franchise=surface-experts
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.