Home & Trade Services · lender intelligence

Financing a finish carpentry contractors acquisition

State:

The SBA 7(a) lenders funding the most finish carpentry contractors acquisitions, ranked from public loan records — typical deal about $335K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance finish carpentry contractors

$796K

Typical loan

range $250K–$1.77M

$884K

Est. purchase price

≈ loan ÷ 90%

$121,279

Cash to close

$88,444 down + fees

$10,300/mo

Typical payment

~9.5% · 10yr

$142,140/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

97.1%

Still performing

2.9% default · FY20–23

16 days

Typical time to fund

Lenders competing

more = leverage

8.3%

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 finish carpentry contractors

Ranked by funded finish carpentry contractors 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 →
2.618 loans · $171M · Salt Lake City, UTFull record →
3.47 loans · $39M · Greenville, PAFull record →
4.2,539 loans · $965M · Columbus, OHFull record →
5.1 loans · $0M · St. Louis, MOFull record →
6.44 loans · $25M · Spokane, WAFull record →
7.24 loans · $21M · Raleigh, NCFull record →
8.78 loans · $79M · New Orleans, LAFull record →
9.12 loans · $14M · Mobile, ALFull record →
10.4 loans · $0M · Warsaw, INFull record →
11.318 loans · $229M · Osage Beach, MOFull record →
12.1 loans · $1M · Lincoln, NEFull record →
13.19 loans · $5M · Bessemer, ALFull record →
14.168 loans · $205M · Fishers, INFull record →
15.26 loans · $26M · Billings, MTFull record →
16.75 loans · $98M · Sioux Falls, SDFull record →
17.18 loans · $24M · Madison, WIFull record →
18.13 loans · $18M · Roseburg, ORFull record →
19.46 loans · $27M · Sartell, MNFull record →
20.128 loans · $40M · Wilmington, DEFull record →
21.31 loans · $11M · Green Bay, WIFull record →
22.6 loans · $6M · Conway, ARFull record →
23.12 loans · $8M · Wheeling, WVFull record →
24.34 loans · $26M · Kalispell, MTFull record →
25.1,025 loans · $292M · Berkeley Heights, NJFull record →

72+ funded finish carpentry contractors 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.

Wood Windows in Garden City, ID — $4.2M (2026) · purchase · First Interstate Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
158 months
SBA guaranteed
$3.2M (75%)
Approved
3/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$4.7M
Est. down payment (10%)
$468K
Est. cash at closing
$647K
Monthly payment
$42,604
Annual debt service
$511K
Cash flow needed (1.25×)
$639K
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 Interstate Bank · Lender record →
Your business? Claim this record · Request removal
#1 Garage Door, LLC in Orlando, NV — $2.9M (2026) · purchase · Sanibel Captiva Community Bank
Program
7a General
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (75%)
Approval → funding
52 days
Approved
12/6/2025
First disbursed
1/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$3.2M
Est. down payment (10%)
$324K
Est. cash at closing
$447K
Monthly payment
$38,093
Annual debt service
$457K
Cash flow needed (1.25×)
$571K
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 Sanibel Captiva Community Bank · Lender record →
Your business? Claim this record · Request removal
Omega Mu Services LLC in South Portland, ME — $1.8M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$196K
Est. cash at closing
$270K
Monthly payment
$22,871
Annual debt service
$274K
Cash flow needed (1.25×)
$343K
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
S&V Holdings Incorporated in Concord, CA — $1.8M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approved
1/29/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$267K
Monthly payment
$21,002
Annual debt service
$252K
Cash flow needed (1.25×)
$315K
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
Strandy Holding Co LLC in Lynnwood, WA — $1.0M (2026) · purchase · RiverBank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$777K (75%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$115K
Est. cash at closing
$158K
Monthly payment
$12,984
Annual debt service
$156K
Cash flow needed (1.25×)
$195K
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 RiverBank · Lender record →
Your business? Claim this record · Request removal
Shoreline Cabinet Company in Wilmington, NC — $782K (2026) · purchase · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$587K (75%)
Approval → funding
25 days
Approved
12/4/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$869K
Est. down payment (10%)
$87K
Est. cash at closing
$119K
Monthly payment
$10,119
Annual debt service
$121K
Cash flow needed (1.25×)
$152K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Seabreeze Carpentry and Design in Stuart, FL — $350K (2026) · purchase · City National Bank of Florida
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
119 months
SBA guaranteed
$263K (75%)
Approved
3/11/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,552
Annual debt service
$55K
Cash flow needed (1.25×)
$68K
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 City National Bank of Florida · Lender record →
Your business? Claim this record · Request removal
JK ANDERSON HOLDINGS LLC in Smithfield, UT — $308K (2026) · purchase · Cache Valley Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$231K (75%)
Approval → funding
30 days
Approved
1/28/2026
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$342K
Est. down payment (10%)
$34K
Est. cash at closing
$46K
Monthly payment
$3,943
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 Cache Valley Bank · Lender record →
Your business? Claim this record · Request removal
Wood Windows Group LLC in Garden City, ID — $200K (2026) · purchase · First Interstate Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
59 months
SBA guaranteed
$100K (50%)
Approved
3/17/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$4,330
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
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 Interstate Bank · Lender record →
Your business? Claim this record · Request removal
Yonah Windows and Doors LLC in Tampa, FL — $5.0M (2025) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
27 days
Approved
3/5/2025
First disbursed
4/1/2025
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
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$63,338
Annual debt service
$760K
Cash flow needed (1.25×)
$950K
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 Bank · Lender record →
Your business? Claim this record · Request removal
Jacques Matt 2025 Acquisitions LLC in Jupiter, FL — $2.1M (2025) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
34 days
Approved
7/17/2025
First disbursed
8/20/2025
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$231K
Est. cash at closing
$318K
Monthly payment
$26,889
Annual debt service
$323K
Cash flow needed (1.25×)
$403K
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 National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Rite-A-Way Home Services LLC in Tempe, AZ — $1.8M (2025) · purchase · Integro Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$1.4M (75%)
Approval → funding
11 days
Approved
9/19/2025
First disbursed
9/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$204K
Est. cash at closing
$281K
Monthly payment
$23,848
Annual debt service
$286K
Cash flow needed (1.25×)
$358K
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 Integro Bank · Lender record →
Your business? Claim this record · Request removal
Frandsen Construction LLC in Layton, UT — $1.6M (2025) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
7 days
Approved
4/30/2025
First disbursed
5/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$21,350
Annual debt service
$256K
Cash flow needed (1.25×)
$320K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
MNDG, Inc. in Cleveland, OH — $1.3M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
5 days
Approved
2/6/2025
First disbursed
2/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$205K
Monthly payment
$17,801
Annual debt service
$214K
Cash flow needed (1.25×)
$267K
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
M2 ENTERPRISES LLC in Centerville, UT — $1.1M (2025) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$803K (75%)
Approval → funding
4 days
Approved
7/14/2025
First disbursed
7/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$119K
Est. cash at closing
$163K
Monthly payment
$12,853
Annual debt service
$154K
Cash flow needed (1.25×)
$193K
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
Charleston Window and Glass Holdings LLC in North Charleston, SC — $1.0M (2025) · purchase · North State Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$780K (75%)
Approval → funding
7 days
Approved
9/16/2025
First disbursed
9/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$116K
Est. cash at closing
$158K
Monthly payment
$13,600
Annual debt service
$163K
Cash flow needed (1.25×)
$204K
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 North State Bank · Lender record →
Your business? Claim this record · Request removal
Will Davis Co, LLC in North Charleston, SC — $796K (2025) · purchase · Milestone Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$597K (75%)
Approved
5/12/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$884K
Est. down payment (10%)
$88K
Est. cash at closing
$121K
Monthly payment
$10,519
Annual debt service
$126K
Cash flow needed (1.25×)
$158K
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 Milestone Bank · Lender record →
Your business? Claim this record · Request removal
GILLINGHAMMER CARPENTRY, LLC in Rhinelander, WI — $612K (2025) · purchase · IncredibleBank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$459K (75%)
Approval → funding
8 days
Approved
10/23/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$680K
Est. down payment (10%)
$68K
Est. cash at closing
$91K
Monthly payment
$5,669
Annual debt service
$68K
Cash flow needed (1.25×)
$85K
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 IncredibleBank · Lender record →
Your business? Claim this record · Request removal
Midwest Glass LLC in Brookings, SD — $500K (2025) · purchase · First Bank & Trust
Program
Preferred Lenders Program
Rate at approval
10.45% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
14 days
Approved
5/28/2025
First disbursed
6/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,733
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 First Bank & Trust · Lender record →
Your business? Claim this record · Request removal
SHADOWCREST LLC in Page, AZ — $500K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
36 days
Approved
5/6/2025
First disbursed
6/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$555K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,601
Annual debt service
$79K
Cash flow needed (1.25×)
$99K
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

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

Agent summary

How to finance a finish carpentry contractors 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.

$335K typical loan
46 lenders fund the industry
2.9% default (FY20–23)
16 days typical to fund

Buyers researching a finish carpentry contractors 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/finish-carpentry-contractors
API:: https://www.capbench.com/api/public/lenders?industry=finish-carpentry-contractors
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.