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Financing a portfolio management acquisition

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The SBA 7(a) lenders funding the most portfolio management acquisitions, ranked from public loan records — typical deal about $671K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance portfolio management

$832K

Typical loan

range $581K–$1.16M

$924K

Est. purchase price

≈ loan ÷ 90%

$126,734

Cash to close

$92,422 down + fees

$10,763/mo

Typical payment

~9.5% · 10yr

$148,529/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

6.26%

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 portfolio management

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

1.75 loans · $98M · Sioux Falls, SDFull record →
2.138 loans · $276M · Sioux Falls, SDFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.21 loans · $5M · Spartanburg, SCFull record →
5.5 loans · $7M · Syracuse, KSFull record →

10+ funded portfolio management 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.

Philip James Wealth Management, LLC dba PGI Wealth Management in Coral Gables, FL — $1.9M (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (90%)
Approval → funding
24 days
Approved
2/2/2021
First disbursed
2/26/2021
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$213K
Est. cash at closing
$293K
Monthly payment
$21,299
Annual debt service
$256K
Cash flow needed (1.25×)
$319K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
WILLIAM HAYDEN WEALTH MANAGEMENT, LLC in Dodge City, KS — $832K (2021) · purchase · Dream First Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.425% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$624K (75%)
Approval → funding
34 days
Approved
12/1/2020
First disbursed
1/4/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$924K
Est. down payment (10%)
$92K
Est. cash at closing
$127K
Monthly payment
$8,996
Annual debt service
$108K
Cash flow needed (1.25×)
$135K
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 Dream First Bank National Association · Lender record →
Your business? Claim this record · Request removal
The Hammel Group, Inc. in Dallas, TX — $732K (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$658K (90%)
Approval → funding
19 days
Approved
3/4/2021
First disbursed
3/23/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$813K
Est. down payment (10%)
$81K
Est. cash at closing
$111K
Monthly payment
$8,030
Annual debt service
$96K
Cash flow needed (1.25×)
$120K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Jonathan H. Schomberg in Elm Grove, WI — $581K (2021) · purchase · Citizens Community Federal National Association
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$523K (90%)
Approval → funding
2 days
Approved
4/19/2021
First disbursed
4/21/2021
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$646K
Est. down payment (10%)
$65K
Est. cash at closing
$86K
Monthly payment
$6,092
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 Citizens Community Federal National Association
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Shoreline Financial LLC in Branford, CT — $1.9M (2020) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
36 days
Approved
12/26/2019
First disbursed
1/31/2020
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$213K
Est. cash at closing
$293K
Monthly payment
$21,989
Annual debt service
$264K
Cash flow needed (1.25×)
$330K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Street Capital Partners, LLC in Indianapolis, IN — $1.2M (2020) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$868K (75%)
Approval → funding
63 days
Approved
4/28/2020
First disbursed
6/30/2020
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$129K
Est. cash at closing
$176K
Monthly payment
$13,285
Annual debt service
$159K
Cash flow needed (1.25×)
$199K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Victory Independent Planning, LLC in Marco Island, FL — $1.1M (2020) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$788K (75%)
Approval → funding
34 days
Approved
5/27/2020
First disbursed
6/30/2020
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$117K
Est. cash at closing
$160K
Monthly payment
$11,266
Annual debt service
$135K
Cash flow needed (1.25×)
$169K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Lynch Financial Group LLC in Dublin, OH — $820K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.4% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$615K (75%)
Approval → funding
21 days
Approved
12/10/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$911K
Est. down payment (10%)
$91K
Est. cash at closing
$125K
Monthly payment
$9,691
Annual debt service
$116K
Cash flow needed (1.25×)
$145K
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
Acequia Investment Management Corporation in Albuquerque, NM — $555K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$416K (75%)
Approval → funding
12 days
Approved
10/9/2019
First disbursed
10/21/2019
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$617K
Est. down payment (10%)
$62K
Est. cash at closing
$82K
Monthly payment
$6,444
Annual debt service
$77K
Cash flow needed (1.25×)
$97K
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
Derwin Financial Group LLC. in Overland Park, KS — $267K (2020) · purchase · Southern Bank
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (75%)
Approval → funding
42 days
Approved
12/20/2019
First disbursed
1/31/2020
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Portfolio Management
If you were the buyer here
Est. deal size
$297K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,168
Annual debt service
$38K
Cash flow needed (1.25×)
$48K
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 Southern Bank · 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 portfolio management businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a portfolio management 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. The Bancorp Bank National Association funds the most. CapBench is not a lender.

$671K typical loan
6 lenders fund the industry
34 days typical to fund

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