Franchise · lender intelligence

How to finance a System4

State:

The SBA 7(a) lenders funding the most System4 deals, ranked from public loan records — typical System4 loan about $480K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance System4

$480K

Typical loan

range $268K–$1.82M

$533K

Est. purchase price

≈ loan ÷ 90%

$71,274

Cash to close

$53,289 down + fees

$6,206/mo

Typical payment

~9.5% · 10yr

$85,643/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

7.5%

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 System4

Ranked by funded System4 loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.149 loans · $135M · Mukwonago, WIFull record →
2.85 loans · $36M · Waterbury, CTFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.62 loans · $21M · Saint Cloud, MNFull record →
5.46 loans · $47M · Asheville, NCFull record →

15+ funded System4 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.

PLUM BEACH PARTNERS LLC in North Kingstown, RI — $2.6M (2026) · purchase · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approved
1/6/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$289K
Est. cash at closing
$399K
Monthly payment
$29,522
Annual debt service
$354K
Cash flow needed (1.25×)
$443K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $2.6M (2026) · purchase · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
36 days
Approved
1/7/2026
First disbursed
2/12/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$289K
Est. cash at closing
$399K
Monthly payment
$29,522
Annual debt service
$354K
Cash flow needed (1.25×)
$443K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
WaxWing Holdings Inc in Scottsdale, AZ — $1.8M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.03% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$202K
Est. cash at closing
$279K
Monthly payment
$22,135
Annual debt service
$266K
Cash flow needed (1.25×)
$332K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $400K (2026) · purchase · Webster Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approved
1/6/2026
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,542
Annual debt service
$55K
Cash flow needed (1.25×)
$68K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
PLUM BEACH PARTNERS LLC in North Kingstown, RI — $400K (2026) · purchase · Webster Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approval → funding
46 days
Approved
1/8/2026
First disbursed
2/23/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,542
Annual debt service
$55K
Cash flow needed (1.25×)
$68K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
WaxWing Holdings Inc in Phoenix, AZ — $200K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
1/29/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Personal Services
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,561
Annual debt service
$31K
Cash flow needed (1.25×)
$38K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Azimuth Ventures LLC in Cedar Hill, TX — $480K (2024) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approval → funding
15 days
Approved
6/17/2024
First disbursed
7/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Janitorial Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
System 4 in Ft Wright, KY — $1.1M (2023) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$851K (75%)
Approval → funding
13 days
Approved
1/24/2023
First disbursed
2/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$126K
Est. cash at closing
$173K
Monthly payment
$15,315
Annual debt service
$184K
Cash flow needed (1.25×)
$230K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
KLH MANAGEMENT GROUP LLC in Jacksonville Beach, FL — $200K (2023) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
8 days
Approved
2/16/2023
First disbursed
2/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Carpet and Upholstery Cleaning Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Covalent Facility Management, Inc. in Aurora, CO — $2.1M (2022) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
17 days
Approved
5/20/2022
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
60
Business age
Change of Ownership
Industry
All Other Professional, Scientific, and Technical Services
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$231K
Est. cash at closing
$318K
Monthly payment
$22,563
Annual debt service
$271K
Cash flow needed (1.25×)
$338K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
C & R Resources LLC in Humble, TX — $490K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$368K (75%)
Approval → funding
3 days
Approved
1/28/2022
First disbursed
1/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Janitorial Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Atlantic Shore Group LLC in Port Orange, FL — $327K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$245K (75%)
Approval → funding
28 days
Approved
3/3/2022
First disbursed
3/31/2022
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
Carpet and Upholstery Cleaning Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
BORRERO FACILITY SERVICES MANAGEMENT, LLC in Orlando, FL — $268K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$201K (75%)
Approval → funding
28 days
Approved
8/17/2022
First disbursed
9/14/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Carpet and Upholstery Cleaning Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Schoon Inc in Kennett Square, PA — $481K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$432K (90%)
Approval → funding
15 days
Approved
9/15/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Janitorial Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
KMW FACILITY SERVICES LLC in Wolverine Lake, MI — $195K (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$146K (75%)
Approval → funding
27 days
Approved
4/3/2020
First disbursed
4/30/2020
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Janitorial Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal

Buying a System4? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to System4 businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a System4 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. Citizens Bank funds the most. CapBench is not a lender.

$480K typical System4 loan
6 lenders fund the brand
17 days typical to fund

Buyers researching a System4 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 System4 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/system4
API:: https://www.capbench.com/api/public/lenders?franchise=system4
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.