Financing a finish carpentry contractors acquisition in Florida

State:

Arizona (5)Arkansas (1)California (6)Connecticut (1)Georgia (1)Idaho (3)Illinois (3)Indiana (3)Kansas (1)Maine (1)Massachusetts (2)Michigan (1)

The SBA 7(a) lenders funding the most finish carpentry contractors 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 finish carpentry contractors in Florida

$2.08M

Typical loan

range $350K–$2.65M

$2.31M

Est. purchase price

≈ loan ÷ 90%

$318,003

Cash to close

$230,889 down + fees

$26,889/mo

Typical payment

~9.5% · 10yr

$371,068/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

8.81%

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 · Florida

Ranked by funded finish carpentry contractors acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.23 loans · $39M · Miami, FLFull record →
2.1 loans · $0M · St. Louis, MOFull record →

9+ funded Finish Carpentry Contractors 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.

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 →
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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 →
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Jacques Matt 2025 Acquisition LLC in Jupiter, FL — $50K (2025) · purchase · First National Bank of Pennsylvania
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
139 days
Approved
7/17/2025
First disbursed
12/3/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$668
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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
J&B Fine Cabinetry in Saint Petersburg, FL — $2.1M (2024) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
27 days
Approved
1/5/2024
First disbursed
2/1/2024
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
$2.3M
Est. down payment (10%)
$235K
Est. cash at closing
$323K
Monthly payment
$29,392
Annual debt service
$353K
Cash flow needed (1.25×)
$441K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
J&B Fine Cabinetry in Saint Petersburg, FL — $250K (2024) · purchase · First Internet Bank of Indiana
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
10 days
Approved
1/6/2024
First disbursed
1/16/2024
Loan status
Current
Loan type
Revolving line
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
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,479
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Custom Door Shop Inc in Jupiter, FL — $3.3M (2021) · purchase · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (90%)
Approval → funding
2 days
Approved
5/17/2021
First disbursed
5/19/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Finish Carpentry Contractors
If you were the buyer here
Est. deal size
$3.7M
Est. down payment (10%)
$367K
Est. cash at closing
$507K
Monthly payment
$36,709
Annual debt service
$441K
Cash flow needed (1.25×)
$551K
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
T & T Liquidation, LLC in Lakeland, FL — $2.6M (2020) · purchase · Centennial Bank
Program
7a General
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approved
3/19/2020
Loan status
Cancelled
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
$2.9M
Est. down payment (10%)
$294K
Est. cash at closing
$406K
Monthly payment
$30,428
Annual debt service
$365K
Cash flow needed (1.25×)
$456K
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 Centennial Bank · Lender record →
Your business? Claim this record · Request removal
GEM-FIT, Inc. in Lakeland, FL — $598K (2020) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$449K (75%)
Approval → funding
54 days
Approved
5/7/2020
First disbursed
6/30/2020
Loan status
Paid in full (11/30/2025)
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
$664K
Est. down payment (10%)
$66K
Est. cash at closing
$89K
Monthly payment
$6,564
Annual debt service
$79K
Cash flow needed (1.25×)
$98K
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

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to finish carpentry contractors businesses with a Florida project address.

Agent summary

How to finance a finish carpentry contractors 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. City National Bank of Florida funds the most here. CapBench is not a lender.

$335K typical loan
7 lenders active in Florida
9+ funded Florida deals
27 days typical to fund

Buyers buying a finish carpentry contractors 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.

Next steps

Pre-qualify this deal Talk to a loan broker All finish carpentry contractors lenders

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.
Canonical:: https://www.capbench.com/lenders/industry/finish-carpentry-contractors/florida
API:: https://www.capbench.com/api/public/lenders?industry=finish-carpentry-contractors&state=FL
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.