Lender intelligence
Financing a collection agencies acquisition in Florida
The SBA 7(a) lenders funding the most collection agencies acquisitions in Florida, 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 collection agencies in Florida
$400K
Typical loan
range $400K–$400K
$444K
Est. purchase price
≈ loan ÷ 90%
$59,444
Cash to close
$44,444 down + fees
$5,176/mo
Typical payment
~9.5% · 10yr
$71,429/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
23 days
Typical time to fund
1
Lenders competing
more = leverage
10%
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 · Florida
Ranked by funded collection agencies acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public collection agencies loan history in Florida to rank lenders yet. See collection agencies lenders nationwide →
1+ funded Collection Agencies in Florida 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.
- 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to collection agencies businesses with a Florida project address.
Agent summary
How to finance a collection agencies acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. CapBench is not a lender.
- $1.2M typical loan
- 1 lenders active in Florida
- 1+ funded Florida deals
- 23 days typical to fund
Buyers buying a collection agencies in Florida 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 2026-06-24.
- 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.