Home & Trade Services · lender intelligence

How to finance a USA Insulation

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The SBA 7(a) lenders funding the most USA Insulation deals, ranked from public loan records — typical USA Insulation loan about $196K, 4.76% failure rate across 34 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance USA Insulation

$196K

Typical loan

range $75K–$331K

$218K

Est. purchase price

≈ loan ÷ 90%

$29,128

Cash to close

$21,778 down + fees

$2,869/mo

Typical payment

~12.5% · 10yr

$39,592/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

8.16%

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 USA Insulation

Ranked by funded USA Insulation 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 →
3.31 loans · $8M · South Bend, INFull record →
4.6 loans · $4M · Spokane Valley, WAFull record →
5.103 loans · $64M · Indiana, PAFull record →
6.2 loans · $1M · Auburn Hills, MIFull record →
7.18 loans · $10M · Manitowoc, WIFull record →
8.7 loans · $3M · Canfield, OHFull record →
9.28 loans · $35M · West Memphis, ARFull record →

34+ funded USA Insulation 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.

USA Insulation of Minneapolis in Minneapolis, MN — $990K (2026) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$743K (75%)
Approval → funding
32 days
Approved
12/29/2025
First disbursed
1/30/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
33
Business age
New Business or 2 years or less
Industry
Drywall and Insulation Contractors
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
USA Insulation of Minneapolis in Minneapolis, MN — $75K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
30 days
Approved
12/29/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
33
Business age
New Business or 2 years or less
Industry
Drywall and Insulation Contractors
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Invictus Insulation LLC in Franklin, KY — $335K (2025) · American Bank & Trust Company, Inc.
Program
7a General
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$251K (75%)
Approval → funding
3 days
Approved
2/28/2025
First disbursed
3/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by American Bank & Trust Company, Inc.
Your business? Claim this record · Request removal
A&L INSULATION OPERATIONS, LLC in Holland, OH — $1.9M (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.99% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
3 days
Approved
12/5/2023
First disbursed
12/8/2023
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Existing or more than 2 years old
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
C&C ATD, LLC in Chandler, AZ — $530K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$398K (75%)
Approval → funding
21 days
Approved
11/15/2023
First disbursed
12/6/2023
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
WFL Insulation LLC in Clearwater, FL — $458K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$344K (75%)
Approval → funding
11 days
Approved
7/1/2024
First disbursed
7/12/2024
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Elite4USA LLC in Hitchcock, TX — $375K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$282K (75%)
Approval → funding
8 days
Approved
3/14/2024
First disbursed
3/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Drywall and Insulation Contractors
If you were the buyer here
Est. deal size
$417K
Est. down payment (10%)
$42K
Est. cash at closing
$56K
Monthly payment
$5,224
Annual debt service
$63K
Cash flow needed (1.25×)
$78K
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
Michael Kegley Sr LLC in Lexington, KY — $299K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$224K (75%)
Approval → funding
8 days
Approved
4/3/2024
First disbursed
4/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
All Other Miscellaneous Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CN Insulation LLC dba USA INSULATION OF UTAH in Salt Lake City, UT — $275K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
11 days
Approved
11/24/2023
First disbursed
12/5/2023
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
9
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
CN Insulation LLC in Kaysville, UT — $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%)
Approved
11/16/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
WFL Insulation LLC in Clearwater, FL — $50K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
206 days
Approved
7/1/2024
First disbursed
1/23/2025
Loan status
Past due
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
C&C ATD, LLC in Chandler, AZ — $50K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
365 days
Approved
11/15/2023
First disbursed
11/14/2024
Loan status
Paid in full (7/31/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Michael Kegley Sr LLC in Lexington, KY — $25K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
209 days
Approved
4/3/2024
First disbursed
10/29/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
All Other Miscellaneous Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Paxson Enterprise LLC in Inwood, PA — $400K (2023) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
101 months
SBA guaranteed
$300K (75%)
Approval → funding
94 days
Approved
12/13/2022
First disbursed
3/17/2023
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
12
Business age
Existing or more than 2 years old
Industry
Drywall and Insulation Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Clinger Enterprises Inc. in Tomball, TX — $253K (2023) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$189K (75%)
Approval → funding
13 days
Approved
10/19/2022
First disbursed
11/1/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Roofing, Siding, and Insulation Material Merchant Wholesaler
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Off Insulation of Illinois, Inc. in Argos, IN — $54K (2023) · 1st Source Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
89 months
SBA guaranteed
$27K (50%)
Approval → funding
8 days
Approved
11/29/2022
First disbursed
12/7/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Drywall and Insulation Contractors
Funded by 1st Source Bank · Lender record →
Your business? Claim this record · Request removal
Riebold Industries, Inc. in Arnold, MO — $290K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
81 months
SBA guaranteed
$218K (75%)
Approval → funding
2 days
Approved
4/18/2022
First disbursed
4/20/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HOME WEST SOLUTIONS, LLC in Nampa, ID — $196K (2022) · Numerica CU
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$147K (75%)
Approval → funding
7 days
Approved
8/24/2022
First disbursed
8/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Drywall and Insulation Contractors
Funded by Numerica CU · Lender record →
Your business? Claim this record · Request removal
Fox Valley Insulation LLC in Fond Du Lac, WI — $105K (2022) · Bank First, N.A.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$89K (85%)
Approval → funding
3 days
Approved
9/13/2022
First disbursed
9/16/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Drywall and Insulation Contractors
Funded by Bank First, N.A. · Lender record →
Your business? Claim this record · Request removal
Jv Insulating, Inc. in Lombard, IL — $90K (2022) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$45K (50%)
Approval → funding
0 days
Approved
12/24/2021
First disbursed
12/24/2021
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Drywall and Insulation Contractors
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a USA Insulation? 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 USA Insulation businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a USA Insulation 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.

$196K typical USA Insulation loan
4.76% failure rate (FY20–23)
12 lenders fund the brand
13 days typical to fund

Buyers researching a USA Insulation 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 USA Insulation 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/usa-insulation
API:: https://www.capbench.com/api/public/lenders?franchise=usa-insulation
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.