Franchise · lender intelligence
How to finance a System4 in Kentucky
The SBA 7(a) lenders funding the most System4 deals in Kentucky, from public loan records — typical System4 loan about $480K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance System4 in Kentucky
$1.14M
Typical loan
range $1.14M–$1.14M
$1.26M
Est. purchase price
≈ loan ÷ 90%
$172,930
Cash to close
$126,111 down + fees
$14,687/mo
Typical payment
~9.5% · 10yr
$202,681/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
13 days
Typical time to fund
1
Lenders competing
more = leverage
10.5%
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 in Kentucky
Ranked by funded System4 loans in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough System4 loans in Kentucky to rank yet. See System4 lenders nationwide →
1+ funded System4 in Kentucky 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.
- 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.
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Buying a System4 in Kentucky? 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 System4 loans with a Kentucky project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a System4 purchase in Kentucky with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Kentucky deals. CapBench is not a lender.
- $480K typical System4 loan
- 1 lenders active in Kentucky
- 1+ funded Kentucky deals
- 13 days typical to fund
Buyers buying a System4 in Kentucky 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.