Retail & Shops · lender intelligence

Financing a machine shops acquisition

State:

The SBA 7(a) lenders funding the most machine shops acquisitions, ranked from public loan records — typical deal about $1.1M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance machine shops

$1.01M

Typical loan

range $350K–$2.25M

$1.13M

Est. purchase price

≈ loan ÷ 90%

$154,525

Cash to close

$112,689 down + fees

$13,124/mo

Typical payment

~9.5% · 10yr

$181,111/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.1%

Still performing

0.9% default · FY20–23

16 days

Typical time to fund

Lenders competing

more = leverage

7.84%

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 machine shops

Ranked by funded machine shops acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.242 loans · $281M · Chicago, ILFull record →
4.116 loans · $120M · Evansville, INFull record →
5.128 loans · $40M · Wilmington, DEFull record →
6.9 loans · $10M · Warren, PAFull record →
7.46 loans · $27M · Sartell, MNFull record →
8.11 loans · $6M · Oostburg, WIFull record →
9.57 loans · $74M · Winston-Salem, NCFull record →
10.36 loans · $51M · Carmel, INFull record →
11.46 loans · $47M · Asheville, NCFull record →
12.11 loans · $7M · Appleton, WIFull record →
13.47 loans · $39M · Greenville, PAFull record →
14.103 loans · $64M · Indiana, PAFull record →
15.24 loans · $21M · Raleigh, NCFull record →
16.196 loans · $21M · Boston, MAFull record →
17.29 loans · $28M · Quincy, CAFull record →
18.33 loans · $15M · Minneapolis, MNFull record →
19.31 loans · $8M · South Bend, INFull record →
20.284 loans · $254M · Cincinnati, OHFull record →
21.11 loans · $8M · Redwood Falls, MNFull record →
22.16 loans · $9M · Effingham, ILFull record →
23.3 loans · $1M · Saint Francis, MNFull record →
24.104 loans · $100M · Portsmouth, VAFull record →
25.618 loans · $171M · Salt Lake City, UTFull record →

193+ funded machine shops 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.

Smith-Palmer Manufacturing LLC in Wylie, TX — $3.9M (2026) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
188 months
SBA guaranteed
$3.0M (75%)
Approval → funding
21 days
Approved
12/19/2025
First disbursed
1/9/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
28
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$4.4M
Est. down payment (10%)
$438K
Est. cash at closing
$605K
Monthly payment
$39,766
Annual debt service
$477K
Cash flow needed (1.25×)
$596K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Kimbrell Manufacturing Corporation in Garland, TX — $3.9M (2026) · purchase · First United Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
123 months
SBA guaranteed
$2.9M (75%)
Approved
1/30/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$434K
Est. cash at closing
$599K
Monthly payment
$48,169
Annual debt service
$578K
Cash flow needed (1.25×)
$723K
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 United Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Roussey Machining Solutions LLC in Bronson, MI — $3.8M (2026) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
168 mo (14 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
18 days
Approved
1/30/2026
First disbursed
2/17/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$426K
Est. cash at closing
$588K
Monthly payment
$37,435
Annual debt service
$449K
Cash flow needed (1.25×)
$562K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
ACTM ACQUISITION LLC in Germantown, WI — $3.6M (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.7M (75%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$397K
Est. cash at closing
$549K
Monthly payment
$45,772
Annual debt service
$549K
Cash flow needed (1.25×)
$687K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Kimbrell Manufacturing Corporation in Garland, TX — $3.5M (2026) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$387K
Est. cash at closing
$534K
Monthly payment
$44,078
Annual debt service
$529K
Cash flow needed (1.25×)
$661K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Hadur Manufacturing, LLC in Sanford, NC — $3.4M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
15 days
Approved
12/2/2025
First disbursed
12/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$3.7M
Est. down payment (10%)
$373K
Est. cash at closing
$515K
Monthly payment
$28,174
Annual debt service
$338K
Cash flow needed (1.25×)
$423K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Ednard LLC in Plymouth, WI — $2.0M (2026) · purchase · Oostburg State Bank
Program
Preferred Lenders Program
Rate at approval
7% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approved
1/22/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$226K
Est. cash at closing
$312K
Monthly payment
$23,651
Annual debt service
$284K
Cash flow needed (1.25×)
$355K
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 Oostburg State Bank · Lender record →
Your business? Claim this record · Request removal
AGM Acquisition, LLC in Green Bay, WI — $2.0M (2026) · purchase · First State Bank
Program
7a General
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$226K
Est. cash at closing
$311K
Monthly payment
$24,951
Annual debt service
$299K
Cash flow needed (1.25×)
$374K
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 State Bank · Lender record →
Your business? Claim this record · Request removal
Smith-Palmer Manufacturing LLC in Wylie, TX — $400K (2026) · purchase · First Internet Bank of Indiana
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approval → funding
21 days
Approved
12/19/2025
First disbursed
1/9/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,121
Annual debt service
$61K
Cash flow needed (1.25×)
$77K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Roussey Machining Solutions LLC in Bronson, MI — $400K (2026) · purchase · Old National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (50%)
Approved
1/30/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,800
Annual debt service
$58K
Cash flow needed (1.25×)
$72K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Kimbrell Manufacturing Corporation in Garland, TX — $325K (2026) · purchase · Merchants Bank of Indiana
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$163K (50%)
Approved
2/13/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$361K
Est. down payment (10%)
$36K
Est. cash at closing
$48K
Monthly payment
$4,117
Annual debt service
$49K
Cash flow needed (1.25×)
$62K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Ednard LLC in Plymouth, WI — $200K (2026) · purchase · Oostburg State Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
1/22/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,453
Annual debt service
$29K
Cash flow needed (1.25×)
$37K
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 Oostburg State Bank · Lender record →
Your business? Claim this record · Request removal
Creative Design and Machine Inc. in South Abington Township, PA — $4.7M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.5M (75%)
Approval → funding
11 days
Approved
7/21/2025
First disbursed
8/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$5.2M
Est. down payment (10%)
$517K
Est. cash at closing
$715K
Monthly payment
$58,904
Annual debt service
$707K
Cash flow needed (1.25×)
$884K
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
OpEx OpCo Inc. in Minneapolis, MN — $4.0M (2025) · purchase · Highland Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.0M (75%)
Approved
3/12/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$4.4M
Est. down payment (10%)
$440K
Est. cash at closing
$608K
Monthly payment
$31,223
Annual debt service
$375K
Cash flow needed (1.25×)
$468K
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 Highland Bank · Lender record →
Your business? Claim this record · Request removal
NAVISTAR GLOBAL, LLC in Oak Lawn, IL — $3.3M (2025) · purchase · Merchants Bank of Indiana
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
9.75% variable
Term
168 mo (14 yrs)
SBA guaranteed
$2.9M (90%)
Approval → funding
7 days
Approved
5/21/2025
First disbursed
5/28/2025
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
Machine Shops
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$363K
Est. cash at closing
$501K
Monthly payment
$35,682
Annual debt service
$428K
Cash flow needed (1.25×)
$535K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Custom Tool Inc in Cookeville, TN — $2.9M (2025) · purchase · Milestone Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (75%)
Approval → funding
15 days
Approved
9/30/2025
First disbursed
10/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$3.3M
Est. down payment (10%)
$326K
Est. cash at closing
$450K
Monthly payment
$38,786
Annual debt service
$465K
Cash flow needed (1.25×)
$582K
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 Milestone Bank · Lender record →
Your business? Claim this record · Request removal
HALWIX ENTERPRISE, INC. in Wood Dale, IL — $2.8M (2025) · purchase · Libertyville Bank & Trust Company, National Association
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
41 days
Approved
2/18/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$309K
Est. cash at closing
$427K
Monthly payment
$31,979
Annual debt service
$384K
Cash flow needed (1.25×)
$480K
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 Libertyville Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
Walls Holding Company Florida Corporation in Bradenton, FL — $2.5M (2025) · purchase · Cogent Bank
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.2M (90%)
Approval → funding
8 days
Approved
2/27/2025
First disbursed
3/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$277K
Est. cash at closing
$382K
Monthly payment
$20,496
Annual debt service
$246K
Cash flow needed (1.25×)
$307K
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 Cogent Bank · Lender record →
Your business? Claim this record · Request removal
GMI METALWORKS LLC in Freeburg, IL — $2.5M (2025) · purchase · First American Bank
Program
Preferred Lenders Program
Rate at approval
7.68% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
9 days
Approved
1/22/2025
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$272K
Est. cash at closing
$375K
Monthly payment
$29,313
Annual debt service
$352K
Cash flow needed (1.25×)
$440K
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 American Bank · Lender record →
Your business? Claim this record · Request removal
RHINE MACHINING & FABRICATING, INC. in Kiel, WI — $2.4M (2025) · purchase · Nicolet National Bank
Program
7a General
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
3 days
Approved
1/7/2025
First disbursed
1/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Change of Ownership
Industry
Machine Shops
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$269K
Est. cash at closing
$371K
Monthly payment
$28,734
Annual debt service
$345K
Cash flow needed (1.25×)
$431K
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 Nicolet National 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 machine shops businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a machine shops 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. Live Oak Banking Company funds the most. CapBench is not a lender.

$1.1M typical loan
98 lenders fund the industry
0.9% default (FY20–23)
16 days typical to fund

Buyers researching a machine shops 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/machine-shops
API:: https://www.capbench.com/api/public/lenders?industry=machine-shops
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.