Industry · lender intelligence

Financing a collection agencies acquisition

State:

The SBA 7(a) lenders funding the most collection agencies acquisitions, ranked from public loan records — typical deal about $1.2M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance collection agencies

$914K

Typical loan

range $400K–$1.65M

$1.02M

Est. purchase price

≈ loan ÷ 90%

$139,213

Cash to close

$101,522 down + fees

$11,823/mo

Typical payment

~9.5% · 10yr

$163,157/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

7 days

Typical time to fund

Lenders competing

more = leverage

9.04%

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 collection agencies

Ranked by funded collection agencies 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 →
3.1 loans · $0M · Saint Louis, MOFull record →
4.24 loans · $17M · Wayne, PAFull record →
5.499 loans · $106M · Los Angeles, CAFull record →
6.9 loans · $10M · Garden City Park, NYFull record →
7.9 loans · $3M · Sioux Falls, SDFull record →
8.7 loans · $9M · Ann Arbor, MIFull record →
9.242 loans · $281M · Chicago, ILFull record →
10.75 loans · $98M · Sioux Falls, SDFull record →

13+ funded collection agencies 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.

Financial Assistance, Inc. in Bellevue, WA — $1.7M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
3/19/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$184K
Est. cash at closing
$253K
Monthly payment
$20,722
Annual debt service
$249K
Cash flow needed (1.25×)
$311K
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
Financial Assistance, Inc. in Bellevue, WA — $150K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approved
3/19/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,880
Annual debt service
$23K
Cash flow needed (1.25×)
$28K
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
R.O.H. 1, LLC in Scottsdale, AZ — $866K (2025) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$650K (75%)
Approval → funding
38 days
Approved
5/23/2025
First disbursed
6/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$962K
Est. down payment (10%)
$96K
Est. cash at closing
$132K
Monthly payment
$10,737
Annual debt service
$129K
Cash flow needed (1.25×)
$161K
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 Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Cascade Brokers LLC in Lockport, NY — $5.0M (2024) · purchase · Hanover Community Bank
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
2 days
Approved
7/31/2024
First disbursed
8/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
65
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$67,467
Annual debt service
$810K
Cash flow needed (1.25×)
$1.0M
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 Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
C. Tech Collections, Inc. in Mount Sinai, NY — $4.1M (2024) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.1M (75%)
Approval → funding
7 days
Approved
12/15/2023
First disbursed
12/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
45
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$4.6M
Est. down payment (10%)
$457K
Est. cash at closing
$631K
Monthly payment
$56,615
Annual debt service
$679K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
BUREAU OF ACCOUNT MANAGEMENT in Camp Hill, PA — $1.3M (2024) · purchase · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$938K (75%)
Approval → funding
17 days
Approved
7/19/2024
First disbursed
8/5/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$139K
Est. cash at closing
$191K
Monthly payment
$17,588
Annual debt service
$211K
Cash flow needed (1.25×)
$264K
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 Lendistry SBLC, LLC · Lender record →
Your business? Claim this record · Request removal
Answer Plus Communications, LLC in Rotonda West, FL — $400K (2024) · purchase · University Bank
Program
7a General
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
23 days
Approved
9/24/2024
First disbursed
10/17/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
61
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,286
Annual debt service
$63K
Cash flow needed (1.25×)
$79K
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 University Bank · Lender record →
Your business? Claim this record · Request removal
Jamie Zomer in Sioux Falls, SD — $60K (2024) · purchase · The First National Bank in Sioux Falls
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$51K (85%)
Approval → funding
6 days
Approved
9/4/2024
First disbursed
9/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$67K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$736
Annual debt service
$9K
Cash flow needed (1.25×)
$11K
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 First National Bank in Sioux Falls · Lender record →
Your business? Claim this record · Request removal
C. Tech Collections, Inc. in Mount Sinai, NY — $1.7M (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approved
5/31/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
46
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$186K
Est. cash at closing
$256K
Monthly payment
$21,218
Annual debt service
$255K
Cash flow needed (1.25×)
$318K
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
C. Tech Collections, Inc. in Mount Sinai, NY — $500K (2023) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approved
5/31/2023
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
46
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,334
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
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
Advanced Recovery Systems, Inc. in King Of Prussia, PA — $150K (2023) · purchase · Meridian Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
7 days
Approved
9/28/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,066
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
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
ARC Properties I LLC in Chesterfield, MO — $1.2M (2022) · purchase · St. Louis Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$914K (75%)
Approval → funding
4 days
Approved
7/29/2022
First disbursed
8/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$135K
Est. cash at closing
$186K
Monthly payment
$13,830
Annual debt service
$166K
Cash flow needed (1.25×)
$207K
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 St. Louis Bank · Lender record →
Your business? Claim this record · Request removal
LPH, Inc. in Missoula, MT — $914K (2021) · purchase · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.8% fixed
Term
188 months
SBA guaranteed
$685K (75%)
Approval → funding
0 days
Approved
12/23/2020
First disbursed
12/23/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Collection Agencies
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$102K
Est. cash at closing
$139K
Monthly payment
$6,924
Annual debt service
$83K
Cash flow needed (1.25×)
$104K
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 Wells Fargo Bank National Association · 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 collection agencies businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a collection agencies 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.

$1.2M typical loan
11 lenders fund the industry
7 days typical to fund

Buyers researching a collection agencies 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/collection-agencies
API:: https://www.capbench.com/api/public/lenders?industry=collection-agencies
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.