Industry · lender intelligence

Financing a solid waste collection acquisition

State:

The SBA 7(a) lenders funding the most solid waste collection acquisitions, ranked from public loan records — typical deal about $561K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance solid waste collection

$607K

Typical loan

range $270K–$1.28M

$674K

Est. purchase price

≈ loan ÷ 90%

$90,207

Cash to close

$67,444 down + fees

$7,854/mo

Typical payment

~9.5% · 10yr

$108,385/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

18 days

Typical time to fund

Lenders competing

more = leverage

8.58%

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 solid waste collection

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.116 loans · $120M · Evansville, INFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.1 loans · $1M · Lincoln, NEFull record →
5.58 loans · $51M · Burlington, KYFull record →
6.618 loans · $171M · Salt Lake City, UTFull record →
7.105 loans · $72M · Wilmington, DEFull record →
8.9 loans · $10M · Warren, PAFull record →
9.24 loans · $21M · Raleigh, NCFull record →
10.30 loans · $24M · Kansas City, MOFull record →
11.19 loans · $18M · Grand Rapids, MIFull record →
12.31 loans · $11M · Green Bay, WIFull record →
13.242 loans · $281M · Chicago, ILFull record →
14.10 loans · $1M · Albuquerque, NMFull record →
15.46 loans · $47M · Asheville, NCFull record →
16.1 loans · $0M · Atlanta, GAFull record →
17.53 loans · $101M · Dallas, TXFull record →
18.46 loans · $46M · Murray, UTFull record →
19.52 loans · $50M · Rockville, MDFull record →
20.1 loans · $0M · Ludington, MIFull record →
21.47 loans · $39M · Greenville, PAFull record →
22.4 loans · $8M · Kokomo, INFull record →
23.1 loans · $0M · Ann Arbor, MIFull record →
24.34 loans · $19M · Arden Hills, MNFull record →
25.41 loans · $21M · Wichita, KSFull record →

64+ funded solid waste collection 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.

MSI WASTE MANAGEMENT INC in Bicknell, IN — $1.9M (2026) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
8% fixed
Term
194 months
SBA guaranteed
$1.4M (75%)
Approval → funding
104 days
Approved
11/13/2025
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$207K
Est. cash at closing
$285K
Monthly payment
$17,125
Annual debt service
$206K
Cash flow needed (1.25×)
$257K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Cornerstone Waste & Recycling LLC in Stokesdale, NC — $1.3M (2026) · purchase · The Fidelity Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$962K (75%)
Approval → funding
12 days
Approved
11/13/2025
First disbursed
11/25/2025
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
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$143K
Est. cash at closing
$195K
Monthly payment
$16,427
Annual debt service
$197K
Cash flow needed (1.25×)
$246K
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 Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
Atomic Roll Off, LLC in Des Moines, IA — $1.1M (2026) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$795K (75%)
Approval → funding
18 days
Approved
1/12/2026
First disbursed
1/30/2026
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
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$118K
Est. cash at closing
$162K
Monthly payment
$13,716
Annual debt service
$165K
Cash flow needed (1.25×)
$206K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
DD Disposal in Lantana, TX — $1.0M (2026) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
18 days
Approved
1/5/2026
First disbursed
1/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,940
Annual debt service
$155K
Cash flow needed (1.25×)
$194K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Hill's Leasing Co LLC in Ashville, OH — $518K (2026) · purchase · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$389K (75%)
Approval → funding
7 days
Approved
12/15/2025
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
3
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$576K
Est. down payment (10%)
$58K
Est. cash at closing
$77K
Monthly payment
$6,562
Annual debt service
$79K
Cash flow needed (1.25×)
$98K
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 Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Titus Elliott Enterprises, LLC in Lancaster, PA — $500K (2026) · purchase · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
36 days
Approved
11/25/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,334
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
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 Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
Hooper's Garbage Service Inc. in Blue Ridge, GA — $435K (2026) · purchase · River City Bank
Program
7a General
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$326K (75%)
Approved
3/10/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$483K
Est. down payment (10%)
$48K
Est. cash at closing
$65K
Monthly payment
$5,569
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
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 River City Bank · Lender record →
Your business? Claim this record · Request removal
MSI WASTE MANAGEMENT INC in Bicknell, IN — $400K (2026) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
24 mo (2 yrs)
SBA guaranteed
$200K (50%)
Approval → funding
104 days
Approved
11/13/2025
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$18,137
Annual debt service
$218K
Cash flow needed (1.25×)
$272K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
JRA Industries, Inc in Montrose, PA — $3.4M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
156 mo (13 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
6 days
Approved
10/16/2024
First disbursed
10/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$3.8M
Est. down payment (10%)
$375K
Est. cash at closing
$519K
Monthly payment
$39,776
Annual debt service
$477K
Cash flow needed (1.25×)
$597K
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
Lonestar Essential Services, LLC in Dallas, TX — $2.2M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
34 days
Approved
2/21/2025
First disbursed
3/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$244K
Est. cash at closing
$336K
Monthly payment
$28,394
Annual debt service
$341K
Cash flow needed (1.25×)
$426K
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
SMT Las Vegas LLC in Las Vegas, NV — $2.0M (2025) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
6 days
Approved
1/15/2025
First disbursed
1/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$221K
Est. cash at closing
$305K
Monthly payment
$23,389
Annual debt service
$281K
Cash flow needed (1.25×)
$351K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
SNF Bins, LLC in Whitmore Lake, MI — $1.7M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
28 days
Approved
7/14/2025
First disbursed
8/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$189K
Est. cash at closing
$260K
Monthly payment
$20,183
Annual debt service
$242K
Cash flow needed (1.25×)
$303K
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
RWM LLC dba Phillips Garbage Service in Louisville, TN — $950K (2025) · purchase · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$713K (75%)
Approval → funding
46 days
Approved
10/3/2024
First disbursed
11/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$145K
Monthly payment
$12,819
Annual debt service
$154K
Cash flow needed (1.25×)
$192K
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-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
23599 RA Partners LLC in Mattawan, MI — $775K (2025) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$581K (75%)
Approval → funding
8 days
Approved
1/23/2025
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$861K
Est. down payment (10%)
$86K
Est. cash at closing
$118K
Monthly payment
$6,110
Annual debt service
$73K
Cash flow needed (1.25×)
$92K
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
CMGL Sanitation Inc in Fort Wayne, IN — $444K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$333K (75%)
Approval → funding
25 days
Approved
5/16/2025
First disbursed
6/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$493K
Est. down payment (10%)
$49K
Est. cash at closing
$66K
Monthly payment
$5,385
Annual debt service
$65K
Cash flow needed (1.25×)
$81K
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
The Crapper Company LLC in Ogden, UT — $293K (2025) · purchase · Wasatch Peaks FCU
Program
Preferred Lenders Program
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$219K (75%)
Approval → funding
35 days
Approved
2/5/2025
First disbursed
3/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$325K
Est. down payment (10%)
$33K
Est. cash at closing
$43K
Monthly payment
$3,549
Annual debt service
$43K
Cash flow needed (1.25×)
$53K
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 Wasatch Peaks FCU · Lender record →
Your business? Claim this record · Request removal
Dump It Disposal, LLC in Saint Robert, MO — $270K (2025) · purchase · Security Bank of Pulaski County
Program
7a General
Rate at approval
8.75% variable
Term
96 mo (8 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
34 days
Approved
1/28/2025
First disbursed
3/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$300K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,921
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 Security Bank of Pulaski County
Your business? Claim this record · Request removal
JRA Industries, Inc in Montrose, PA — $200K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
10/16/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,699
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
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
FORJEN ENTERPRISES LLC in Paris, ID — $150K (2025) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$116K (78%)
Approval → funding
7 days
Approved
9/9/2025
First disbursed
9/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,982
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
SNF Bins, LLC in West Bloomfield, MI — $50K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
7/14/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$640
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 The Huntington National 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 solid waste collection businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a solid waste collection 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 Huntington National Bank funds the most. CapBench is not a lender.

$561K typical loan
38 lenders fund the industry
0% default (FY20–23)
18 days typical to fund

Buyers researching a solid waste collection 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

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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/solid-waste-collection
API:: https://www.capbench.com/api/public/lenders?industry=solid-waste-collection
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.