Lender intelligence
Financing a locksmiths acquisition in California
The SBA 7(a) lenders funding the most locksmiths acquisitions in California, 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 locksmiths in California
$652K
Typical loan
range $652K–$652K
$725K
Est. purchase price
≈ loan ÷ 90%
$96,925
Cash to close
$72,467 down + fees
$8,439/mo
Typical payment
~9.5% · 10yr
$116,458/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
36 days
Typical time to fund
1
Lenders competing
more = leverage
6.75%
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 locksmiths · California
Ranked by funded locksmiths acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public locksmiths loan history in California to rank lenders yet. See locksmiths lenders nationwide →
1+ funded Locksmiths in California 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.
- 342 W 6TH STREET, LLC in San Bernardino, CA — $652K (2022) · purchase · Evolve Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $489K (75%)
- Approval → funding
- 36 days
- Approved
- 6/7/2022
- First disbursed
- 7/13/2022
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Locksmiths
If you were the buyer here
- Est. deal size
- $725K
- Est. down payment (10%)
- $72K
- Est. cash at closing
- $97K
- Monthly payment
- $5,771
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $87K
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 Evolve Bank and Trust · Lender record →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to locksmiths businesses with a California project address.
Agent summary
How to finance a locksmiths acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. CapBench is not a lender.
- $402K typical loan
- 1 lenders active in California
- 1+ funded California deals
- 36 days typical to fund
Buyers buying a locksmiths in California 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 2026-06-17.
- 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.