Business Services · lender intelligence
How to finance a WSI in California
The SBA 7(a) lenders funding the most WSI deals in California, from public loan records — typical WSI loan about $150K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance WSI in California
$404K
Typical loan
range $200K–$404K
$448K
Est. purchase price
≈ loan ÷ 90%
$59,965
Cash to close
$44,833 down + fees
$5,221/mo
Typical payment
~9.5% · 10yr
$72,050/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
2
Lenders competing
more = leverage
8.63%
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 in California
Ranked by funded WSI loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 2.19 loans · $5M · Roseville, CAFull record →
2+ funded WSI in California 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.
- 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
- 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
Buying a WSI in California? 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.
Free · No documents · Usually same-day
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 WSI loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a WSI purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Readycap Lending, LLC funds the most here. CapBench is not a lender.
- $150K typical WSI loan
- 2 lenders active in California
- 2+ funded California deals
- 21 days typical to fund
Buyers buying a WSI in California 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 2026-06-24.
- 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.