Industry · lender intelligence

Financing a perishable prepared food manufacturing acquisition

State:

The SBA 7(a) lenders funding the most perishable prepared food manufacturing acquisitions, ranked from public loan records — typical deal about $1.0M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance perishable prepared food manufacturing

$450K

Typical loan

range $336K–$4.75M

$500K

Est. purchase price

≈ loan ÷ 90%

$66,875

Cash to close

$50,000 down + fees

$5,823/mo

Typical payment

~9.5% · 10yr

$80,357/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

Lenders competing

more = leverage

7.85%

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 perishable prepared food manufacturing

Ranked by funded perishable prepared food manufacturing acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.6 loans · $3M · Brooklyn, MIFull record →
2.46 loans · $27M · Sartell, MNFull record →
3.139 loans · $102M · Los Angeles, CAFull record →

5+ funded perishable prepared food manufacturing 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.

H & J Equities LLC in Ann Arbor, MI — $336K (2023) · purchase · Bank Michigan
Program
7a General
Rate at approval
11.25% variable
Term
121 months
SBA guaranteed
$252K (75%)
Approval → funding
12 days
Approved
9/22/2023
First disbursed
10/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Perishable Prepared Food Manufacturing
If you were the buyer here
Est. deal size
$374K
Est. down payment (10%)
$37K
Est. cash at closing
$50K
Monthly payment
$4,658
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 Bank Michigan · Lender record →
Your business? Claim this record · Request removal
H & J Equities LLC in Ann Arbor, MI — $50K (2023) · purchase · Bank Michigan
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
18 days
Approved
9/16/2023
First disbursed
10/4/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Perishable Prepared Food Manufacturing
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$696
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 Bank Michigan · Lender record →
Your business? Claim this record · Request removal
KIDCO Farms Processing, Inc in Long Prairie, MN — $4.8M (2022) · purchase · United Valley Bank
Program
7a General
Rate at approval
5.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$3.6M (75%)
Approval → funding
13 days
Approved
3/15/2022
First disbursed
3/28/2022
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
Perishable Prepared Food Manufacturing
If you were the buyer here
Est. deal size
$5.3M
Est. down payment (10%)
$528K
Est. cash at closing
$730K
Monthly payment
$67,695
Annual debt service
$812K
Cash flow needed (1.25×)
$1.0M
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 United Valley Bank
Your business? Claim this record · Request removal
Koinonia Food Services in Anaheim, CA — $450K (2022) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
7 days
Approved
5/2/2022
First disbursed
5/9/2022
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Perishable Prepared Food Manufacturing
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$4,828
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 Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Karlsburger Foods, Inc in Monticello, MN — $5.0M (2020) · purchase · BankVista
Program
7a General
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
5 days
Approved
1/9/2020
First disbursed
1/14/2020
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
40
Business age
Change of Ownership
Industry
Perishable Prepared Food Manufacturing
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$56,140
Annual debt service
$674K
Cash flow needed (1.25×)
$842K
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 BankVista · 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 perishable prepared food manufacturing businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a perishable prepared food manufacturing 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. Bank Michigan funds the most. CapBench is not a lender.

$1.0M typical loan
4 lenders fund the industry
12 days typical to fund

Buyers researching a perishable prepared food manufacturing 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 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/perishable-prepared-food-manufacturing
API:: https://www.capbench.com/api/public/lenders?industry=perishable-prepared-food-manufacturing
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.