Lender intelligence
Financing a caterers acquisition in California
The SBA 7(a) lenders funding the most caterers acquisitions in California, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance caterers in California
$1.40M
Typical loan
range $350K–$3.80M
$1.55M
Est. purchase price
≈ loan ÷ 90%
$213,184
Cash to close
$155,378 down + fees
$18,095/mo
Typical payment
~9.5% · 10yr
$249,711/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
11 days
Typical time to fund
6
Lenders competing
more = leverage
8.18%
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 caterers · California
Ranked by funded caterers acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
8+ funded Caterers 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.
- Vittori & Company, LLC in San Diego, CA — $3.8M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.9M (75%)
- Approval → funding
- 64 days
- Approved
- 11/20/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 66
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $4.2M
- Est. down payment (10%)
- $422K
- Est. cash at closing
- $584K
- Monthly payment
- $47,115
- Annual debt service
- $565K
- Cash flow needed (1.25×)
- $707K
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 →
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- Vittori & Company, LLC in San Diego, CA — $250K (2026) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 64 days
- Approved
- 11/20/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 66
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,235
- Annual debt service
- $39K
- Cash flow needed (1.25×)
- $49K
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
- VMP LLC in Modesto, CA — $4.1M (2025) · purchase · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 116 months
- SBA guaranteed
- $3.1M (75%)
- Approval → funding
- 2 days
- Approved
- 10/29/2024
- First disbursed
- 10/31/2024
- 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
- 40
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $4.5M
- Est. down payment (10%)
- $453K
- Est. cash at closing
- $626K
- Monthly payment
- $56,631
- Annual debt service
- $680K
- Cash flow needed (1.25×)
- $849K
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 Community Bank & Trust-West Georgia
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- SAPPHIRE CULINARY GROUP in Costa Mesa, CA — $1.9M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.65% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 9 days
- Approved
- 6/18/2025
- First disbursed
- 6/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $2.1M
- Est. down payment (10%)
- $206K
- Est. cash at closing
- $283K
- Monthly payment
- $23,086
- Annual debt service
- $277K
- Cash flow needed (1.25×)
- $346K
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
- Millennial Foods P Inc in Los Angeles, CA — $1.4M (2023) · purchase · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 11 days
- Approved
- 7/10/2023
- First disbursed
- 7/21/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $155K
- Est. cash at closing
- $213K
- Monthly payment
- $19,263
- Annual debt service
- $231K
- Cash flow needed (1.25×)
- $289K
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
- Quorum Enterprises, Inc. and Jonathan Davis as Co-Borrowers in Irvine, CA — $563K (2020) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $422K (75%)
- Approval → funding
- 7 days
- Approved
- 4/13/2020
- First disbursed
- 4/20/2020
- Loan status
- Paid in full (6/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $625K
- Est. down payment (10%)
- $63K
- Est. cash at closing
- $84K
- Monthly payment
- $6,035
- Annual debt service
- $72K
- 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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Izo Catering in Los Angeles, CA — $350K (2020) · purchase · Bank of Hope
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 34 days
- Approved
- 8/27/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $6,726
- Annual debt service
- $81K
- Cash flow needed (1.25×)
- $101K
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 Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- Gregory Pruyne in Salinas, CA — $340K (2020) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $255K (75%)
- Approved
- 2/10/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $378K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $4,967
- Annual debt service
- $60K
- Cash flow needed (1.25×)
- $75K
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 Pinnacle Bank · 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 caterers businesses with a California project address.
Agent summary
How to finance a caterers acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $540K typical loan
- 6 lenders active in California
- 8+ funded California deals
- 11 days typical to fund
Buyers buying a caterers in California typically pre-qualify, then ask CapBench to introduce a lender active 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 2026-06-22.
- 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.