Lender intelligence
Financing a payroll services acquisition in New York
The SBA 7(a) lenders funding the most payroll services acquisitions in New York, 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 New York
$298K
Typical loan
range $298K–$298K
$331K
Est. purchase price
≈ loan ÷ 90%
$44,213
Cash to close
$33,056 down + fees
$4,098/mo
Typical payment
~11% · 10yr
$56,552/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
154 days
Typical time to fund
1
Lenders competing
more = leverage
8%
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 · New York
Ranked by funded payroll services acquisitions in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,927 loans · $207M · Buffalo, NYFull record →
1+ funded Payroll Services in New York 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.
- 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to payroll services businesses with a New York project address.
Agent summary
How to finance a payroll services acquisition in New York with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded New York deals. Manufacturers and Traders Trust Company funds the most here. CapBench is not a lender.
- $610K typical loan
- 1 lenders active in New York
- 1+ funded New York deals
- 154 days typical to fund
Buyers buying a payroll services in New York 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 2026-06-24.
- 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.