Business Services · lender intelligence

How to finance a WSI

State:

The SBA 7(a) lenders funding the most WSI deals, ranked from public loan records — typical WSI loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance WSI

$150K

Typical loan

range $100K–$180K

$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

7 days

Typical time to fund

Lenders competing

more = leverage

7.67%

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 WSI

Ranked by funded WSI 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 →
2.2,539 loans · $965M · Columbus, OHFull record →
3.1 loans · $0M · St. Louis, MOFull record →
4.1,025 loans · $292M · Berkeley Heights, NJFull record →
5.19 loans · $5M · Roseville, CAFull record →

13+ funded WSI 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.

Barnaby Ventures, LLC in Thornton, CO — $75K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
1/30/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Advertising Agencies
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
OVERKIND LLC in Delray Beach, 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%)
Approval → funding
3 days
Approved
1/21/2025
First disbursed
1/24/2025
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Yakima Branding in San Jose, CA — $404K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$303K (75%)
Approval → funding
21 days
Approved
8/5/2024
First disbursed
8/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Marketing Consulting Services
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
You Are Found LLC in Keller, TX — $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%)
Approval → funding
20 days
Approved
3/22/2024
First disbursed
4/11/2024
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
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Eleventh House Enterprises LLC in Atlanta, GA — $150K (2023) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
102 months
SBA guaranteed
$128K (85%)
Approval → funding
3 days
Approved
1/31/2023
First disbursed
2/3/2023
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
3
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Sirach Consulting LLC in Round Rock, TX — $180K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$90K (50%)
Approval → funding
5 days
Approved
12/17/2021
First disbursed
12/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Marketing Consulting Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ISADORE-GABRIELE INC. in Chicago, IL — $100K (2022) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approved
11/9/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
WSI Connect in Cibolo, TX — $560K (2021) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$504K (90%)
Approval → funding
14 days
Approved
5/14/2021
First disbursed
5/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
All Other Professional, Scientific, and Technical Services
If you were the buyer here
Est. deal size
$622K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$6,077
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 First Bank · Lender record →
Your business? Claim this record · Request removal
SIAN DIGITAL, INC. in Belleville, MI — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approved
4/30/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Andersport Solutions, LLC in Sugar Hill, GA — $125K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (90%)
Approval → funding
1 days
Approved
3/30/2021
First disbursed
3/31/2021
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
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Z and Z Marketing, LLC in Fishers, IN — $74K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$66K (90%)
Approval → funding
4 days
Approved
5/27/2021
First disbursed
5/31/2021
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
Marketing Consulting Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
K A DEAN ENTERPRISES, INCORPORATED in San Jose, CA — $200K (2020) · Five Star Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
7 days
Approved
8/24/2020
First disbursed
8/31/2020
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Marketing Consulting Services
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
WRITER'S VOICE LLC in North Bend, WA — $100K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
124 days
Approved
4/29/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a WSI 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 WSI loan
6 lenders fund the brand
7 days typical to fund

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