Business Services · lender intelligence

Financing a payroll services acquisition

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The SBA 7(a) lenders funding the most payroll services acquisitions, ranked from public loan records — typical deal about $610K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance payroll services

$882K

Typical loan

range $345K–$1.57M

$980K

Est. purchase price

≈ loan ÷ 90%

$134,383

Cash to close

$98,000 down + fees

$11,413/mo

Typical payment

~9.5% · 10yr

$157,499/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

18 days

Typical time to fund

Lenders competing

more = leverage

8.46%

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 payroll services

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

1.618 loans · $171M · Salt Lake City, UTFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.2 loans · $0M · Pine Bluff, ARFull record →
4.28 loans · $25M · Fresno, CAFull record →
5.7 loans · $13M · Anchorage, AKFull record →
6.47 loans · $39M · Greenville, PAFull record →
7.1,927 loans · $207M · Buffalo, NYFull record →

9+ funded payroll services 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.

Easytrack Payroll, LLC in San Antonio, TX — $805K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$604K (75%)
Approval → funding
15 days
Approved
11/17/2025
First disbursed
12/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$894K
Est. down payment (10%)
$89K
Est. cash at closing
$123K
Monthly payment
$10,197
Annual debt service
$122K
Cash flow needed (1.25×)
$153K
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
THOMAS P. FINUCANE & ASSOCIATES, INC. in Cleveland, OH — $1.6M (2025) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
8.67% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
71 days
Approved
5/12/2025
First disbursed
7/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$174K
Est. cash at closing
$240K
Monthly payment
$19,609
Annual debt service
$235K
Cash flow needed (1.25×)
$294K
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 National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Kerr Payroll Solutions, LLC in Fresno, CA — $882K (2025) · purchase · FFB Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$662K (75%)
Approval → funding
19 days
Approved
7/18/2025
First disbursed
8/6/2025
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
Payroll Services
If you were the buyer here
Est. deal size
$980K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,534
Annual debt service
$138K
Cash flow needed (1.25×)
$173K
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 FFB Bank · Lender record →
Your business? Claim this record · Request removal
Alaska's Best Payroll Solution, Inc. in Anchorage, AK — $345K (2025) · purchase · Alaska Growth Capital BIDCO, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
119 months
SBA guaranteed
$259K (75%)
Approval → funding
14 days
Approved
8/19/2025
First disbursed
9/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$383K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,677
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 Alaska Growth Capital BIDCO, Inc. · Lender record →
Your business? Claim this record · Request removal
UPSTATE PAYROLL SERVICES, LLC in Horseheads, NY — $298K (2025) · purchase · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$223K (75%)
Approval → funding
154 days
Approved
6/4/2025
First disbursed
11/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
4
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$331K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,609
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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
MassPay Inc in Lafayette, IN — $5.0M (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
119 months
SBA guaranteed
$3.8M (75%)
Approval → funding
18 days
Approved
8/30/2024
First disbursed
9/17/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
98
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$65,025
Annual debt service
$780K
Cash flow needed (1.25×)
$975K
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
LUXA ENTERPRISES, L.L.C. in Tulsa, OK — $2.0M (2024) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
10% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
8 days
Approved
3/21/2024
First disbursed
3/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$218K
Est. cash at closing
$301K
Monthly payment
$25,962
Annual debt service
$312K
Cash flow needed (1.25×)
$389K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
American Benefits Company, Inc. in Spanish Fork, UT — $900K (2021) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$810K (90%)
Approval → funding
13 days
Approved
6/17/2021
First disbursed
6/30/2021
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$1000K
Est. down payment (10%)
$100K
Est. cash at closing
$137K
Monthly payment
$9,545
Annual debt service
$115K
Cash flow needed (1.25×)
$143K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
GUARANTEED PAYROLL SOLUTIONS LLC in Las Vegas, NV — $218K (2020) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$163K (75%)
Approval → funding
20 days
Approved
9/10/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Payroll Services
If you were the buyer here
Est. deal size
$242K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,391
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 Zions Bank, A Division of · 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 payroll services businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a payroll services 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. Zions Bank, A Division of funds the most. CapBench is not a lender.

$610K typical loan
7 lenders fund the industry
18 days typical to fund

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