Lender intelligence
Financing a payroll services acquisition in California
The SBA 7(a) lenders funding the most payroll services 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 payroll services in California
$882K
Typical loan
range $882K–$882K
$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
19 days
Typical time to fund
1
Lenders competing
more = leverage
9.75%
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 payroll services · California
Ranked by funded payroll services acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public payroll services loan history in California to rank lenders yet. See payroll services lenders nationwide →
1+ funded Payroll Services 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.
- 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to payroll services businesses with a California project address.
Agent summary
How to finance a payroll services 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.
- $610K typical loan
- 1 lenders active in California
- 1+ funded California deals
- 19 days typical to fund
Buyers buying a payroll services 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 2026-06-18.
- 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.