Lender intelligence
Financing a solid waste collection acquisition in Tennessee
The SBA 7(a) lenders funding the most solid waste collection acquisitions in Tennessee, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance solid waste collection in Tennessee
$950K
Typical loan
range $950K–$950K
$1.06M
Est. purchase price
≈ loan ÷ 90%
$144,744
Cash to close
$105,556 down + fees
$12,293/mo
Typical payment
~9.5% · 10yr
$169,643/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
46 days
Typical time to fund
1
Lenders competing
more = leverage
10.5%
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 · Tennessee
Ranked by funded solid waste collection acquisitions in Tennessee. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.97 loans · $96M · Raleigh, NCFull record →
1+ funded Solid Waste Collection in Tennessee 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.
- 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to solid waste collection businesses with a Tennessee project address.
Agent summary
How to finance a solid waste collection acquisition in Tennessee with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Tennessee deals. First-Citizens Bank & Trust Company funds the most here. CapBench is not a lender.
- $561K typical loan
- 1 lenders active in Tennessee
- 1+ funded Tennessee deals
- 46 days typical to fund
Buyers buying a solid waste collection in Tennessee typically pre-qualify, then ask CapBench to introduce a lender active here — 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.