Home & Trade Services · lender intelligence

How to finance a The Grounds Guys

State:

The SBA 7(a) lenders funding the most The Grounds Guys deals, ranked from public loan records — typical The Grounds Guys loan about $150K, 15.79% failure rate across 166 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance The Grounds Guys

$150K

Typical loan

range $150K–$150K

$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

84.2%

Still performing

15.8% default · FY20–23

18 days

Typical time to fund

Lenders competing

more = leverage

8.41%

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 The Grounds Guys

Ranked by funded The Grounds Guys 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 →
2.34 loans · $26M · Kalispell, MTFull record →
3.97 loans · $96M · Raleigh, NCFull record →
4.36 loans · $46M · Los Angeles, CAFull record →
5.149 loans · $135M · Mukwonago, WIFull record →
6.2,539 loans · $965M · Columbus, OHFull record →
7.20 loans · $8M · Saint Petersburg, FLFull record →
8.14 loans · $32M · Fort Lee, NJFull record →
9.57 loans · $74M · Winston-Salem, NCFull record →

166+ funded The Grounds Guys 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.

AWGW Landscaping LLC dba THE GROUNDS GUYS OF WEST COVINA in West Covina, CA — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
76 days
Approved
11/19/2025
First disbursed
2/3/2026
Loan status
Current
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
KUPIBO LLC dba The Grounds Guys of Maple Grove - NW Metro in Otsego, MN — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
45 days
Approved
12/12/2025
First disbursed
1/26/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Surterra LLC dba The Grounds Guys of York County in Fort Mill, SC — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
40 days
Approved
12/18/2025
First disbursed
1/27/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
NovaScapes LLC dba The Grounds Guys of Northwest Austin in Georgetown, TX — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
30 days
Approved
12/24/2025
First disbursed
1/23/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Falcon Lawn Care LLC dba The Grounds Guys of NE Colorado Springs in Peyton, CO — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
28 days
Approved
1/13/2026
First disbursed
2/10/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
DYER LANDSCAPING SERVICES, LLC dba THE GROUNDS GUYS OF TACOMA - GIG HARBOR in Gig Harbor, WA — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
39 days
Approved
1/15/2026
First disbursed
2/23/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
V & A HOLDINGS LLC dba THE GROUNDS GUYS OF OAK BROOK - LEMONT in Lemont, IL — $250K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
27 days
Approved
1/27/2026
First disbursed
2/23/2026
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
No Worries Landscaping, llc dba The Grounds Guys of Lake Norman in Davidson, NC — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
29 days
Approved
11/17/2025
First disbursed
12/16/2025
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Potter Franchising Investments LLC in Severance, CO — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
1/27/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
SKBarrus, Inc. dba The Grounds Guys of The Colony in Mckinney, TX — $150K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
42 days
Approved
2/13/2026
First disbursed
3/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Havenscape LLC in Norcross, GA — $1.9M (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
27 days
Approved
2/20/2025
First disbursed
3/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Landscaping Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$212K
Est. cash at closing
$291K
Monthly payment
$25,183
Annual debt service
$302K
Cash flow needed (1.25×)
$378K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
Angel Industries Inc in Howell, NJ — $460K (2025) · purchase · Banc of California
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$345K (75%)
Approval → funding
21 days
Approved
9/19/2025
First disbursed
10/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Landscaping Services
If you were the buyer here
Est. deal size
$512K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,465
Annual debt service
$66K
Cash flow needed (1.25×)
$82K
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 Banc of California · Lender record →
Your business? Claim this record · Request removal
Smith Family Enterprises LLC dba The Grounds Guys of Broomfield and North Arvada in Broomfield, CO — $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
28 days
Approved
9/2/2025
First disbursed
9/30/2025
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
No Worries Landscaping, llc dba The Grounds Guys of Lake Norman in Davidson, NC — $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%)
Approved
9/30/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
THE RWM COLLECTIVE LLC dba THE GROUNDS GUYS OF NAPERVILLE in Naperville, IL — $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
71 days
Approved
3/26/2025
First disbursed
6/5/2025
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Mayers Landscaping Solutions LLC dba The Grounds Guys of Flower Mound - Highland in Roanoke, TX — $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
13 days
Approved
4/15/2025
First disbursed
4/28/2025
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
WHITMORE FAMILY ENTERPRISES LLC in Clermont, 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%)
Approved
4/21/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Avery and Ivory Landscaping LLC dba The Grounds Guys of West Humble and Summerwo in Humble, TX — $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
27 days
Approved
4/24/2025
First disbursed
5/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Bells Outdoor Services LLC dba The Grounds Guys of East Charlotte in Charlotte, NC — $150K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
33 days
Approved
10/23/2024
First disbursed
11/25/2024
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JAZ Lawncare, llc dba The Grounds Guys of The Woodlands in Conroe, TX — $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
15 days
Approved
1/23/2025
First disbursed
2/7/2025
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
Landscaping Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a The Grounds Guys? 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 The Grounds Guys businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a The Grounds Guys 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 The Grounds Guys loan
15.79% failure rate (FY20–23)
9 lenders fund the brand
18 days typical to fund

Buyers researching a The Grounds Guys 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 The Grounds Guys 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/the-grounds-guys
API:: https://www.capbench.com/api/public/lenders?franchise=the-grounds-guys
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.