Lender intelligence
Financing a janitorial services acquisition in Massachusetts
The SBA 7(a) lenders funding the most janitorial services acquisitions in Massachusetts, 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 janitorial services in Massachusetts
$350K
Typical loan
range $179K–$630K
$389K
Est. purchase price
≈ loan ÷ 90%
$52,014
Cash to close
$38,889 down + fees
$4,821/mo
Typical payment
~11% · 10yr
$66,530/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
42 days
Typical time to fund
7
Lenders competing
more = leverage
7.79%
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 janitorial services · Massachusetts
Ranked by funded janitorial services acquisitions in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.1,927 loans · $207M · Buffalo, NYFull record →
- 3.23 loans · $30M · Stuart, FLFull record →
- 4.19 loans · $5M · Salem, MAFull record →
- 5.575 loans · $220M · De Graff, OHFull record →
- 6.3 loans · $1M · Hyannis, MAFull record →
12+ funded Janitorial Services in Massachusetts 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.
- Ethos Enterprises, Inc. in Roslindale, MA — $277K (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $208K (75%)
- Approval → funding
- 52 days
- Approved
- 1/5/2026
- First disbursed
- 2/26/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $308K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $3,437
- Annual debt service
- $41K
- 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 The Huntington National Bank · Lender record →
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- Ethos Enterprises, Inc. in Roslindale, MA — $50K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/5/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $620
- Annual debt service
- $7K
- Cash flow needed (1.25×)
- $9K
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 →
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- Safeguard Restoration Group LLC in Cambridge, MA — $630K (2025) · purchase · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $473K (75%)
- Approved
- 10/18/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $700K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $94K
- Monthly payment
- $8,589
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $129K
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 United Midwest Savings Bank National Association · Lender record →
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- PC ACK LLC in Nantucket, MA — $2.7M (2023) · purchase · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 16 days
- Approved
- 12/13/2022
- First disbursed
- 12/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $303K
- Est. cash at closing
- $418K
- Monthly payment
- $35,248
- Annual debt service
- $423K
- Cash flow needed (1.25×)
- $529K
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 Seacoast National Bank · Lender record →
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- Unic Pro, Inc. in Shrewsbury, MA — $2.6M (2023) · purchase · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 43 days
- Approved
- 6/14/2023
- First disbursed
- 7/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 267
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $285K
- Est. cash at closing
- $394K
- Monthly payment
- $33,934
- Annual debt service
- $407K
- Cash flow needed (1.25×)
- $509K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Unic Pro, Inc. in Shrewsbury, MA — $475K (2023) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $238K (50%)
- Approval → funding
- 43 days
- Approved
- 6/14/2023
- First disbursed
- 7/27/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $528K
- Est. down payment (10%)
- $53K
- Est. cash at closing
- $71K
- Monthly payment
- $6,277
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- LMGALO LLC in Hyannis, MA — $350K (2023) · purchase · Cape and Coast Bank
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 42 days
- Approved
- 6/7/2023
- First disbursed
- 7/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,674
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $70K
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 Cape and Coast Bank · Lender record →
Your business? Claim this record · Request removal
- PC ACK LLC in Nantucket, MA — $100K (2023) · purchase · Seacoast National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 16 days
- Approved
- 12/13/2022
- First disbursed
- 12/29/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,240
- Annual debt service
- $15K
- Cash flow needed (1.25×)
- $19K
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 Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
- O'Loughlin and Goin Corp, Neat and Sweet Cleaning in Salisbury, MA — $179K (2021) · purchase · Salem Five Cents Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.75% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $134K (75%)
- Approval → funding
- 25 days
- Approved
- 11/5/2020
- First disbursed
- 11/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $199K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $2,428
- Annual debt service
- $29K
- Cash flow needed (1.25×)
- $36K
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 Salem Five Cents Savings Bank · Lender record →
Your business? Claim this record · Request removal
- True Wave Corp. DBA 'Cleaning Advantage' in Lancaster, MA — $167K (2021) · purchase · Salem Five Cents Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $125K (75%)
- Approval → funding
- 14 days
- Approved
- 9/14/2021
- First disbursed
- 9/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $185K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $25K
- Monthly payment
- $2,276
- Annual debt service
- $27K
- Cash flow needed (1.25×)
- $34K
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 Salem Five Cents Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Syntegra Services LLC in Arlington, MA — $425K (2020) · purchase · Salem Five Cents Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.75% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $319K (75%)
- Approval → funding
- 7 days
- Approved
- 8/24/2020
- First disbursed
- 8/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $472K
- Est. down payment (10%)
- $47K
- Est. cash at closing
- $63K
- Monthly payment
- $5,758
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $86K
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 Salem Five Cents Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Total Services Commercial Corp. in Framingham, MA — $188K (2020) · purchase · Middlesex Savings Bank
- Program
- 7a General
- Rate at approval
- 6% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $94K (50%)
- Approval → funding
- 222 days
- Approved
- 11/21/2019
- First disbursed
- 6/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Janitorial Services
If you were the buyer here
- Est. deal size
- $209K
- Est. down payment (10%)
- $21K
- Est. cash at closing
- $28K
- Monthly payment
- $2,746
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $41K
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 Middlesex Savings 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 janitorial services businesses with a Massachusetts project address.
Agent summary
How to finance a janitorial services acquisition in Massachusetts with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Massachusetts deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $316K typical loan
- 7 lenders active in Massachusetts
- 12+ funded Massachusetts deals
- 42 days typical to fund
Buyers buying a janitorial services in Massachusetts 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 2026-06-24.
- 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.