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Financing a financial transactions processing, reserve, and clearinghous acquisition
The SBA 7(a) lenders funding the most financial transactions processing, reserve, and clearinghous acquisitions, ranked from public loan records — typical deal about $925K. A lender doing your industry every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance financial transactions processing, reserve, and clearinghous
$1.17M
Typical loan
range $280K–$1.37M
$1.30M
Est. purchase price
≈ loan ÷ 90%
$178,308
Cash to close
$130,033 down + fees
$15,143/mo
Typical payment
~9.5% · 10yr
$208,973/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
9
Lenders competing
more = leverage
9.37%
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 financial transactions processing, reserve, and clearinghous
Ranked by funded financial transactions processing, reserve, and clearinghous acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.9 loans · $10M · Warren, PAFull record →
- 3.116 loans · $120M · Evansville, INFull record →
- 4.112 loans · $112M · Irving, TXFull record →
- 5.53 loans · $101M · Dallas, TXFull record →
- 6.618 loans · $171M · Salt Lake City, UTFull record →
- 7.1,296 loans · $1.4B · Wilmington, NCFull record →
- 8.19 loans · $5M · Bessemer, ALFull record →
10+ funded financial transactions processing, reserve, and clearinghous 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.
- Rate Tracker Payments, LLC in Richfield, OH — $3.2M (2025) · purchase · First Financial Bank
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 8 days
- Approved
- 1/6/2025
- First disbursed
- 1/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $359K
- Est. cash at closing
- $495K
- Monthly payment
- $43,098
- Annual debt service
- $517K
- Cash flow needed (1.25×)
- $646K
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 Financial Bank · Lender record →
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- INTELLIGENT PAYMENT SOLUTIONS, LLC in Northfield, OH — $1.2M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $878K (75%)
- Approval → funding
- 44 days
- Approved
- 3/12/2025
- First disbursed
- 4/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $130K
- Est. cash at closing
- $178K
- Monthly payment
- $15,143
- Annual debt service
- $182K
- Cash flow needed (1.25×)
- $227K
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
- Lone Wolfe, LLC in Parker, CO — $707K (2025) · purchase · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $530K (75%)
- Approval → funding
- 175 days
- Approved
- 4/2/2025
- First disbursed
- 9/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $786K
- Est. down payment (10%)
- $79K
- Est. cash at closing
- $108K
- Monthly payment
- $8,729
- Annual debt service
- $105K
- Cash flow needed (1.25×)
- $131K
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 U.S. Bank, National Association · Lender record →
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- Cardinal Finance, LLC in Tucson, AZ — $119K (2025) · purchase · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $101K (85%)
- Approval → funding
- 3 days
- Approved
- 9/22/2025
- First disbursed
- 9/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $133K
- Est. down payment (10%)
- $13K
- Est. cash at closing
- $17K
- Monthly payment
- $1,610
- Annual debt service
- $19K
- Cash flow needed (1.25×)
- $24K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- Atlantic ATM Solutions Investments, LLC in Holmdel, NJ — $1.4M (2024) · purchase · T Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 15 days
- Approved
- 6/13/2024
- First disbursed
- 6/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $152K
- Est. cash at closing
- $209K
- Monthly payment
- $18,881
- Annual debt service
- $227K
- Cash flow needed (1.25×)
- $283K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- PK Capital, LLC in Eau Claire, WI — $1.2M (2024) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $915K (75%)
- Approval → funding
- 5 days
- Approved
- 6/26/2024
- First disbursed
- 7/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $136K
- Est. cash at closing
- $186K
- Monthly payment
- $16,462
- Annual debt service
- $198K
- Cash flow needed (1.25×)
- $247K
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
- PK Capital, LLC in Eau Claire, WI — $20K (2024) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 29 days
- Approved
- 6/26/2024
- First disbursed
- 7/25/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $22K
- Est. down payment (10%)
- $2K
- Est. cash at closing
- $3K
- Monthly payment
- $270
- Annual debt service
- $3K
- Cash flow needed (1.25×)
- $4K
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
- Argo Capital Partners LLC in Charlotte, NC — $510K (2023) · purchase · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $383K (75%)
- Approval → funding
- 12 days
- Approved
- 5/5/2023
- First disbursed
- 5/17/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $567K
- Est. down payment (10%)
- $57K
- Est. cash at closing
- $76K
- Monthly payment
- $6,953
- 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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
- Master Telecom Corp in Bensenville, IL — $1.7M (2022) · purchase · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 28 days
- Approved
- 6/2/2022
- First disbursed
- 6/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $190K
- Est. cash at closing
- $261K
- Monthly payment
- $19,149
- Annual debt service
- $230K
- Cash flow needed (1.25×)
- $287K
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
- PACCOM GROUP, INC. in Renton, WA — $280K (2021) · purchase · Northwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $252K (90%)
- Approval → funding
- 1 days
- Approved
- 4/29/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Financial Transactions Processing, Reserve, and Clearinghous
If you were the buyer here
- Est. deal size
- $311K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $42K
- Monthly payment
- $3,103
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $47K
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 Northwest 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 financial transactions processing, reserve, and clearinghous businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a financial transactions processing, reserve, and clearinghous 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $925K typical loan
- 9 lenders fund the industry
- 15 days typical to fund
Buyers researching a financial transactions processing, reserve, and clearinghous 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.
- 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.
- Canonical:
- https://www.capbench.com/lenders/industry/financial-transactions-processing-reserve-and-clearinghous
- 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.