Lender intelligence
Financing a locksmiths acquisition in Florida
The SBA 7(a) lenders funding the most locksmiths 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 locksmiths in Florida
$4.62M
Typical loan
range $450K–$4.62M
$5.13M
Est. purchase price
≈ loan ÷ 90%
$709,300
Cash to close
$512,778 down + fees
$59,717/mo
Typical payment
~9.5% · 10yr
$824,095/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
39 days
Typical time to fund
2
Lenders competing
more = leverage
8.75%
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 · Florida
Ranked by funded locksmiths acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.102 loans · $119M · Saint Petersburg, FLFull record →
2+ funded Locksmiths 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.
- Cox Locks, Inc. in Vero Beach, FL — $450K (2025) · purchase · Climate First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 39 days
- Approved
- 8/22/2025
- First disbursed
- 9/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Locksmiths
If you were the buyer here
- Est. deal size
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $5,885
- Annual debt service
- $71K
- Cash flow needed (1.25×)
- $88K
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 Climate First Bank · Lender record →
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- Heritage Lock LLC in Navarre, FL — $4.6M (2022) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.5M (75%)
- Approval → funding
- 8 days
- Approved
- 8/30/2022
- First disbursed
- 9/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 44
- Business age
- Change of Ownership
- Industry
- Locksmiths
If you were the buyer here
- Est. deal size
- $5.1M
- Est. down payment (10%)
- $513K
- Est. cash at closing
- $709K
- Monthly payment
- $55,385
- Annual debt service
- $665K
- Cash flow needed (1.25×)
- $831K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Financing a locksmiths deal in Florida? Start with the right lender
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to locksmiths businesses with a Florida project address.
Agent summary
How to finance a locksmiths 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. Climate First Bank funds the most here. CapBench is not a lender.
- $402K typical loan
- 2 lenders active in Florida
- 2+ funded Florida deals
- 39 days typical to fund
Buyers buying a locksmiths 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 2026-06-17.
- 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.