Business Services · lender intelligence

How to finance a YESCO

State:

The SBA 7(a) lenders funding the most YESCO deals, ranked from public loan records — typical YESCO loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance YESCO

$500K

Typical loan

range $150K–$527K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

7.7%

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 YESCO

Ranked by funded YESCO loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.14 loans · $23M · Miami Lakes, FLFull record →
2.618 loans · $171M · Salt Lake City, UTFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.5 loans · $2M · Beresford, SDFull record →

5+ funded YESCO 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.

Project Combo, Inc. in Naples, FL — $1.8M (2024) · BankUnited, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
31 days
Approved
4/12/2024
First disbursed
5/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
65
Business age
Existing or more than 2 years old
Industry
Sign Manufacturing
Funded by BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
Project Combo, Inc. in Naples, FL — $500K (2024) · BankUnited, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
31 days
Approved
4/12/2024
First disbursed
5/13/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
65
Business age
Existing or more than 2 years old
Industry
Sign Manufacturing
Funded by BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
Heritage Sign & Lighting, LLC in Willoughby, OH — $150K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
11 days
Approved
3/24/2023
First disbursed
4/4/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Sign Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CagCo Enterprises, LLC in Omaha, NE — $527K (2022) · purchase · First Savings Bank
Program
7a General
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$395K (75%)
Approval → funding
39 days
Approved
11/1/2021
First disbursed
12/10/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Sign Manufacturing
If you were the buyer here
Est. deal size
$586K
Est. down payment (10%)
$59K
Est. cash at closing
$78K
Monthly payment
$5,592
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
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 Savings Bank · Lender record →
Your business? Claim this record · Request removal
Hites Run Inc in Las Vegas, NV — $150K (2021) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approved
12/7/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
All Other Specialty Trade Contractors
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal

Buying a YESCO? 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.

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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to YESCO businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a YESCO 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. BankUnited, National Association funds the most. CapBench is not a lender.

$500K typical YESCO loan
4 lenders fund the brand
31 days typical to fund

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