Industry · lender intelligence

Financing a ambulance services acquisition

State:

The SBA 7(a) lenders funding the most ambulance services acquisitions, ranked from public loan records — typical deal about $800K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance ambulance services

$1.21M

Typical loan

range $613K–$1.65M

$1.34M

Est. purchase price

≈ loan ÷ 90%

$184,357

Cash to close

$134,444 down + fees

$15,657/mo

Typical payment

~9.5% · 10yr

$216,067/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

10 days

Typical time to fund

Lenders competing

more = leverage

8.35%

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 in ambulance services

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.24 loans · $17M · Wayne, PAFull record →
4.116 loans · $120M · Evansville, INFull record →
5.98 loans · $309M · Las Vegas, NVFull record →
6.105 loans · $72M · Wilmington, DEFull record →
7.5 loans · $5M · Prattville, ALFull record →
8.138 loans · $276M · Sioux Falls, SDFull record →

12+ funded ambulance services 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.

Intensive Air Inc. in New York, NY — $1.2M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$908K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$134K
Est. cash at closing
$184K
Monthly payment
$15,328
Annual debt service
$184K
Cash flow needed (1.25×)
$230K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
SmartTrans Ambulance Service Inc. in Cockeysville, MD — $985K (2026) · purchase · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$739K (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$109K
Est. cash at closing
$150K
Monthly payment
$12,081
Annual debt service
$145K
Cash flow needed (1.25×)
$181K
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 Meridian Bank · Lender record →
Your business? Claim this record · Request removal
SMARTTRANS AMBULANCE SERVICE INC in Cockeysville, MD — $100K (2026) · purchase · Meridian Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
2/6/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,294
Annual debt service
$16K
Cash flow needed (1.25×)
$19K
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 Meridian Bank · Lender record →
Your business? Claim this record · Request removal
LAKESHORE TRANSPORTATION INC in Ossian, IA — $880K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approval → funding
23 days
Approved
2/17/2025
First disbursed
3/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$977K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,381
Annual debt service
$137K
Cash flow needed (1.25×)
$171K
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
LAKESHORE TRANSPORTATION INC in Ossian, IA — $100K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
2/18/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,294
Annual debt service
$16K
Cash flow needed (1.25×)
$19K
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
Care Medical Transportation LLC in Hainesport, NJ — $1.6M (2024) · purchase · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
4 days
Approved
9/30/2024
First disbursed
10/4/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$183K
Est. cash at closing
$252K
Monthly payment
$22,264
Annual debt service
$267K
Cash flow needed (1.25×)
$334K
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 Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
American Medical Emergency Dispatch, LLC in Attalla, AL — $1.6M (2024) · purchase · River Bank and Trust
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
10 days
Approved
12/2/2023
First disbursed
12/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$180K
Est. cash at closing
$247K
Monthly payment
$21,832
Annual debt service
$262K
Cash flow needed (1.25×)
$327K
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 River Bank and Trust · Lender record →
Your business? Claim this record · Request removal
RSLL Group LLC in Jacksonville, FL — $613K (2023) · purchase · GBank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$460K (75%)
Approval → funding
48 days
Approved
9/30/2023
First disbursed
11/17/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$681K
Est. down payment (10%)
$68K
Est. cash at closing
$91K
Monthly payment
$8,356
Annual debt service
$100K
Cash flow needed (1.25×)
$125K
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 GBank · Lender record →
Your business? Claim this record · Request removal
H&M Transport in Manassas, VA — $4.0M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (75%)
Approval → funding
9 days
Approved
9/15/2020
First disbursed
9/24/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$4.5M
Est. down payment (10%)
$450K
Est. cash at closing
$622K
Monthly payment
$43,453
Annual debt service
$521K
Cash flow needed (1.25×)
$652K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Helping Hand Transportation Services, LLC in Franklin, TN — $1.9M (2020) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
9 days
Approved
7/22/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$211K
Est. cash at closing
$291K
Monthly payment
$20,867
Annual debt service
$250K
Cash flow needed (1.25×)
$313K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Care Medical Transportation LLC in Hainesport, NJ — $1.4M (2020) · purchase · First Commerce Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
31 days
Approved
7/31/2020
First disbursed
8/31/2020
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$160K
Est. cash at closing
$220K
Monthly payment
$16,000
Annual debt service
$192K
Cash flow needed (1.25×)
$240K
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 Commerce Bank
Your business? Claim this record · Request removal
H & M Transport in Manassas, VA — $250K (2020) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
9 days
Approved
9/15/2020
First disbursed
9/24/2020
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Ambulance Services
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$2,744
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a ambulance services acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$800K typical loan
9 lenders fund the industry
10 days typical to fund

Buyers researching a ambulance services deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/industry/ambulance-services
API:: https://www.capbench.com/api/public/lenders?industry=ambulance-services
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.