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How to finance a USA Insulation in Texas

State:

The SBA 7(a) lenders funding the most USA Insulation deals in Texas, from public loan records — typical USA Insulation loan about $196K. A bank already funding the brand in your state knows it twice over.

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

$225K

Typical loan

range $201K–$253K

$250K

Est. purchase price

≈ loan ÷ 90%

$33,438

Cash to close

$25,000 down + fees

$3,293/mo

Typical payment

~12.5% · 10yr

$45,443/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

18 days

Typical time to fund

Lenders competing

more = leverage

7.75%

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 in Texas

Ranked by funded USA Insulation loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.103 loans · $64M · Indiana, PAFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.7 loans · $3M · Canfield, OHFull record →
4.575 loans · $220M · De Graff, OHFull record →

5+ funded USA Insulation in Texas 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.

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
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
The YOhio Company in Pflugerville, TX — $225K (2021) · The Farmers National Bank of Canfield
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (90%)
Approval → funding
30 days
Approved
6/22/2021
First disbursed
7/22/2021
Loan status
Current
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 Farmers National Bank of Canfield · Lender record →
Your business? Claim this record · Request removal
Clinger Enterprises Inc. in Carrollton, TX — $201K (2021) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$181K (90%)
Approval → funding
18 days
Approved
5/13/2021
First disbursed
5/31/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Roofing, Siding, and Insulation Material Merchant Wholesaler
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Munachi Holdings LLC in Mckinney, TX — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$135K (90%)
Approval → funding
23 days
Approved
7/8/2021
First disbursed
7/31/2021
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
7
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

Buying a USA Insulation in Texas? 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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded USA Insulation loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a USA Insulation purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. First Commonwealth Bank funds the most here. CapBench is not a lender.

$196K typical USA Insulation loan
4 lenders active in Texas
5+ funded Texas deals
18 days typical to fund

Buyers buying a USA Insulation in Texas 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.

Next steps

Pre-qualify this deal Talk to a loan broker All USA Insulation lenders

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/texas
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.