Industry · lender intelligence
Financing a repossession services acquisition
The SBA 7(a) lenders funding the most repossession services acquisitions, ranked from public loan records — typical deal about $615K. A lender doing your industry every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance repossession services
$315K
Typical loan
range $88K–$3.31M
$350K
Est. purchase price
≈ loan ÷ 90%
$46,813
Cash to close
$35,000 down + fees
$4,339/mo
Typical payment
~11% · 10yr
$59,878/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
37 days
Typical time to fund
3
Lenders competing
more = leverage
7.33%
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 repossession services
Ranked by funded repossession services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2 loans · $1M · Pana, ILFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.26 loans · $26M · Billings, MTFull record →
3+ funded repossession services 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.
- Connect One, LLC in Nashville, TN — $3.3M (2026) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.5M (75%)
- Approval → funding
- 37 days
- Approved
- 12/1/2025
- First disbursed
- 1/7/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 63
- Business age
- Change of Ownership
- Industry
- Repossession Services
If you were the buyer here
- Est. deal size
- $3.7M
- Est. down payment (10%)
- $368K
- Est. cash at closing
- $508K
- Monthly payment
- $42,366
- Annual debt service
- $508K
- Cash flow needed (1.25×)
- $635K
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 Pinnacle Bank · Lender record →
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- TCS, Inc. in Des Moines, IA — $88K (2026) · purchase · First Interstate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (85%)
- Approved
- 2/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Repossession Services
If you were the buyer here
- Est. deal size
- $97K
- Est. down payment (10%)
- $10K
- Est. cash at closing
- $13K
- Monthly payment
- $1,076
- 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 First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
- All Cities Recovery in Madison, IL — $315K (2020) · purchase · Peoples Bank & Trust
- Program
- 7a General
- Rate at approval
- 4.5% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $236K (75%)
- Approved
- 8/28/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Repossession Services
If you were the buyer here
- Est. deal size
- $350K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $1,993
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $30K
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 Peoples Bank & Trust · 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 repossession services businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a repossession services 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. Peoples Bank & Trust funds the most. CapBench is not a lender.
- $615K typical loan
- 3 lenders fund the industry
- 37 days typical to fund
Buyers researching a repossession services 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.
- 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.