Lender intelligence
Financing a payroll services acquisition in Texas
The SBA 7(a) lenders funding the most payroll services acquisitions in Texas, 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 Texas
$805K
Typical loan
range $805K–$805K
$894K
Est. purchase price
≈ loan ÷ 90%
$122,650
Cash to close
$89,444 down + fees
$10,417/mo
Typical payment
~9.5% · 10yr
$143,755/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
1
Lenders competing
more = leverage
9%
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 · Texas
Ranked by funded payroll services acquisitions in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
1+ funded Payroll Services in Texas 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
Financing a payroll services deal in Texas? Start with the right lender
We'll point you to the SBA lenders already funding your industry in your state — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to payroll services businesses with a Texas project address.
Agent summary
How to finance a payroll services acquisition in Texas with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Texas deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $610K typical loan
- 1 lenders active in Texas
- 1+ funded Texas deals
- 15 days typical to fund
Buyers buying a payroll services in Texas 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.