Business Services · lender intelligence

Financing a postal service acquisition

State:

The SBA 7(a) lenders funding the most postal service acquisitions, ranked from public loan records — typical deal about $311K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance postal service

$475K

Typical loan

range $225K–$844K

$528K

Est. purchase price

≈ loan ÷ 90%

$70,591

Cash to close

$52,778 down + fees

$6,146/mo

Typical payment

~9.5% · 10yr

$84,815/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

49 days

Typical time to fund

Lenders competing

more = leverage

9.03%

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 postal service

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →
4.85 loans · $148M · Los Angeles, CAFull record →
5.14 loans · $6M · Manchester, NHFull record →
6.3 loans · $1M · Steelville, MOFull record →
7.5 loans · $3M · Cold Spring, MNFull record →
8.42 loans · $48M · Los Angeles, CAFull record →
9.12 loans · $5M · Durham, NCFull record →

20+ funded postal service 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.

GONZALES CAPITAL INC in La Quinta, CA — $1.4M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
72 days
Approved
11/19/2024
First disbursed
1/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$151K
Est. cash at closing
$207K
Monthly payment
$17,973
Annual debt service
$216K
Cash flow needed (1.25×)
$270K
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
Scarlet Oak Enterprises LLC in Denver, NC — $1.3M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$975K (75%)
Approval → funding
103 days
Approved
9/10/2025
First disbursed
12/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$198K
Monthly payment
$16,644
Annual debt service
$200K
Cash flow needed (1.25×)
$250K
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
VII ENTERPRISE LLC in Royal Palm Beach, FL — $1.1M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$795K (75%)
Approved
9/29/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$118K
Est. cash at closing
$162K
Monthly payment
$13,571
Annual debt service
$163K
Cash flow needed (1.25×)
$204K
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
Priyaa LLC in Ridgefield, CT — $865K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$649K (75%)
Approval → funding
64 days
Approved
4/8/2025
First disbursed
6/11/2025
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
Postal Service
If you were the buyer here
Est. deal size
$961K
Est. down payment (10%)
$96K
Est. cash at closing
$132K
Monthly payment
$10,864
Annual debt service
$130K
Cash flow needed (1.25×)
$163K
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
Studio X in Los Angeles, CA — $320K (2025) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approved
4/3/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$356K
Est. down payment (10%)
$36K
Est. cash at closing
$48K
Monthly payment
$4,097
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
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 Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
Single Track Corporation in Raleigh, NC — $242K (2025) · purchase · Mechanics and Farmers Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$182K (75%)
Approved
4/29/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$269K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$3,265
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 Mechanics and Farmers Bank · Lender record →
Your business? Claim this record · Request removal
Blue Mountain Ventures of New York LLC in Somers, NY — $225K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approved
5/13/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$250K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$3,098
Annual debt service
$37K
Cash flow needed (1.25×)
$46K
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
viprn LLC in Wayzata, MN — $844K (2024) · purchase · Granite Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$633K (75%)
Approval → funding
5 days
Approved
10/25/2023
First disbursed
10/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$937K
Est. down payment (10%)
$94K
Est. cash at closing
$129K
Monthly payment
$10,458
Annual debt service
$125K
Cash flow needed (1.25×)
$157K
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 Granite Bank · Lender record →
Your business? Claim this record · Request removal
REYAN LLC in Wausau, WI — $785K (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$589K (75%)
Approval → funding
16 days
Approved
11/15/2023
First disbursed
12/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$872K
Est. down payment (10%)
$87K
Est. cash at closing
$120K
Monthly payment
$10,703
Annual debt service
$128K
Cash flow needed (1.25×)
$161K
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
KIRPAA INVESTMENTS INC in Franklin, MA — $690K (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$518K (75%)
Approval → funding
57 days
Approved
3/26/2024
First disbursed
5/22/2024
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
Postal Service
If you were the buyer here
Est. deal size
$767K
Est. down payment (10%)
$77K
Est. cash at closing
$103K
Monthly payment
$9,023
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
THE UPS STORE #1805 in Fremont, CA — $500K (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
7/10/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
4
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$7,030
Annual debt service
$84K
Cash flow needed (1.25×)
$105K
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
REYAN LLC in Wausau, WI — $75K (2024) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
11/15/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$83K
Est. down payment (10%)
$8K
Est. cash at closing
$11K
Monthly payment
$1,044
Annual debt service
$13K
Cash flow needed (1.25×)
$16K
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
AQUADUCT REAL ESTATE IMPROVEMENT & DEVELOPMENT, LLC in North Palm Beach, FL — $475K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
27 days
Approved
9/20/2023
First disbursed
10/17/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$528K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$6,383
Annual debt service
$77K
Cash flow needed (1.25×)
$96K
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
The UPS Store #1805 in Fremont, CA — $460K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$152K (33%)
Approval → funding
49 days
Approved
5/12/2023
First disbursed
6/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$511K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,890
Annual debt service
$71K
Cash flow needed (1.25×)
$88K
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
IIN Enterprises, Inc. in Rolla, MO — $167K (2023) · purchase · FCNB Bank
Program
7a General
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (75%)
Approval → funding
107 days
Approved
6/14/2023
First disbursed
9/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$185K
Est. down payment (10%)
$19K
Est. cash at closing
$25K
Monthly payment
$2,132
Annual debt service
$26K
Cash flow needed (1.25×)
$32K
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 FCNB Bank · Lender record →
Your business? Claim this record · Request removal
Postal Center USA of Manchester, LLC in Manchester, NH — $150K (2023) · purchase · St. Mary's Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
14 days
Approved
4/19/2023
First disbursed
5/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,282
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 St. Mary's Bank · Lender record →
Your business? Claim this record · Request removal
ROK Logistics, Inc. in Tukwila, WA — $290K (2022) · purchase · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
108 mo (9 yrs)
SBA guaranteed
$218K (75%)
Approval → funding
20 days
Approved
12/10/2021
First disbursed
12/30/2021
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$322K
Est. down payment (10%)
$32K
Est. cash at closing
$43K
Monthly payment
$3,375
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
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 Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
JTP PACKAGING LLC in Salem, OH — $162K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$145K (90%)
Approval → funding
22 days
Approved
7/9/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$179K
Est. down payment (10%)
$18K
Est. cash at closing
$24K
Monthly payment
$1,793
Annual debt service
$22K
Cash flow needed (1.25×)
$27K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SEBASTIAN PAUL HOLDINGS, LLC in North Augusta, SC — $132K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$112K (85%)
Approval → funding
62 days
Approved
11/3/2020
First disbursed
1/4/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$147K
Est. down payment (10%)
$15K
Est. cash at closing
$19K
Monthly payment
$1,465
Annual debt service
$18K
Cash flow needed (1.25×)
$22K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DRUN TRUCKING, INC. in Kalamazoo, MI — $806K (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$604K (75%)
Approval → funding
25 days
Approved
11/5/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Postal Service
If you were the buyer here
Est. deal size
$895K
Est. down payment (10%)
$90K
Est. cash at closing
$123K
Monthly payment
$9,561
Annual debt service
$115K
Cash flow needed (1.25×)
$143K
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 Celtic Bank Corporation · 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 postal service businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a postal service 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. Live Oak Banking Company funds the most. CapBench is not a lender.

$311K typical loan
9 lenders fund the industry
49 days typical to fund

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