Business Services · lender intelligence

Financing a human resources consulting services acquisition

State:

The SBA 7(a) lenders funding the most human resources consulting services acquisitions, ranked from public loan records — typical deal about $284K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance human resources consulting services

$706K

Typical loan

range $200K–$750K

$784K

Est. purchase price

≈ loan ÷ 90%

$107,491

Cash to close

$78,389 down + fees

$9,129/mo

Typical payment

~9.5% · 10yr

$125,980/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

6.42%

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 human resources consulting services

Ranked by funded human resources consulting services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.3 loans · $1M · Fargo, NDFull record →
2.103 loans · $64M · Indiana, PAFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.75 loans · $98M · Sioux Falls, SDFull record →
5.60 loans · $40M · Clayton, MOFull record →
6.79 loans · $53M · Gulfport, MSFull record →

6+ funded human resources consulting services 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.

Ad Specs of Delaware, LLC in Tampa, FL — $2.2M (2025) · purchase · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
123 months
SBA guaranteed
$1.6M (75%)
Approval → funding
16 days
Approved
9/30/2025
First disbursed
10/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Change of Ownership
Industry
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$243K
Est. cash at closing
$335K
Monthly payment
$26,720
Annual debt service
$321K
Cash flow needed (1.25×)
$401K
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 Hancock Whitney Bank · Lender record →
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Three by Six Group LLC in Saint Peters, MO — $500K (2022) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
10 days
Approved
1/21/2022
First disbursed
1/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,551
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Eastern Shore PB LLC in Fairhope, AL — $199K (2022) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
121 months
SBA guaranteed
$149K (75%)
Approval → funding
6 days
Approved
4/26/2022
First disbursed
5/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$221K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,224
Annual debt service
$27K
Cash flow needed (1.25×)
$33K
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
STONE CONSULTING INC in Medfield, MA — $750K (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$675K (90%)
Approval → funding
109 days
Approved
6/21/2021
First disbursed
10/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$8,233
Annual debt service
$99K
Cash flow needed (1.25×)
$123K
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
People Workplaces LLC in Missouri City, TX — $706K (2020) · purchase · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
126 months
SBA guaranteed
$529K (75%)
Approval → funding
32 days
Approved
10/29/2019
First disbursed
11/30/2019
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
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$784K
Est. down payment (10%)
$78K
Est. cash at closing
$107K
Monthly payment
$8,200
Annual debt service
$98K
Cash flow needed (1.25×)
$123K
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 Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Highroad Partners, LLC in Moorhead, MN — $200K (2020) · purchase · Aspire Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$100K (50%)
Approval → funding
1 days
Approved
9/24/2020
First disbursed
9/25/2020
Loan status
Paid in full (10/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Human Resources Consulting Services
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$3,706
Annual debt service
$44K
Cash flow needed (1.25×)
$56K
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 Aspire 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 human resources consulting services businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a human resources consulting services 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. Aspire Bank funds the most. CapBench is not a lender.

$284K typical loan
6 lenders fund the industry
16 days typical to fund

Buyers researching a human resources consulting services 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/human-resources-consulting-services
API:: https://www.capbench.com/api/public/lenders?industry=human-resources-consulting-services
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.