Lender intelligence
Financing a human resources consulting services acquisition in Florida
The SBA 7(a) lenders funding the most human resources consulting services 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 human resources consulting services in Florida
$2.19M
Typical loan
range $2.19M–$2.19M
$2.43M
Est. purchase price
≈ loan ÷ 90%
$335,123
Cash to close
$243,222 down + fees
$28,325/mo
Typical payment
~9.5% · 10yr
$390,885/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
1
Lenders competing
more = leverage
8.5%
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 · Florida
Ranked by funded human resources consulting services acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.79 loans · $53M · Gulfport, MSFull record →
1+ funded Human Resources Consulting Services 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.
- 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to human resources consulting services businesses with a Florida project address.
Agent summary
How to finance a human resources consulting services 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. Hancock Whitney Bank funds the most here. CapBench is not a lender.
- $284K typical loan
- 1 lenders active in Florida
- 1+ funded Florida deals
- 16 days typical to fund
Buyers buying a human resources consulting services 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 2026-06-21.
- 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.