Financing a special needs transportation acquisition in Florida

State:

California (4)Idaho (1)Illinois (3)Kansas (1)Massachusetts (2)Missouri (1)New Jersey (1)New York (2)North Carolina (2)Ohio (1)Oklahoma (1)South Carolina (2)

The SBA 7(a) lenders funding the most special needs transportation acquisitions in Florida, 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 special needs transportation in Florida

$582K

Typical loan

range $400K–$1.18M

$647K

Est. purchase price

≈ loan ÷ 90%

$86,492

Cash to close

$64,667 down + fees

$7,611/mo

Typical payment

~9.75% · 10yr

$105,032/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

50 days

Typical time to fund

Lenders competing

more = leverage

8.08%

Avg rate on record

cap ~10.00%

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 special needs transportation · Florida

Ranked by funded special needs transportation acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.53 loans · $101M · Dallas, TXFull record →
2.128 loans · $40M · Wilmington, DEFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →
4.62 loans · $34M · Winter Haven, FLFull record →

4+ funded Special Needs Transportation in Florida 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.

ES Wheelchair and Stretcher Transport Inc in Sarasota, FL — $1.2M (2024) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$882K (75%)
Approval → funding
126 days
Approved
4/10/2024
First disbursed
8/14/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$131K
Est. cash at closing
$179K
Monthly payment
$16,028
Annual debt service
$192K
Cash flow needed (1.25×)
$240K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Fallon Transport, LLC in Fort Myers, FL — $400K (2024) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.57% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
14 days
Approved
10/19/2023
First disbursed
11/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,974
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
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 PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
GATOR FREIGHTER SERVICES, LLC in New Port Richey, FL — $582K (2020) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$437K (75%)
Approval → funding
50 days
Approved
4/15/2020
First disbursed
6/4/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$647K
Est. down payment (10%)
$65K
Est. cash at closing
$86K
Monthly payment
$6,389
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
TRANSMOBILITY, LLC in Stuart, FL — $357K (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$268K (75%)
Approval → funding
18 days
Approved
3/13/2020
First disbursed
3/31/2020
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$397K
Est. down payment (10%)
$40K
Est. cash at closing
$53K
Monthly payment
$4,191
Annual debt service
$50K
Cash flow needed (1.25×)
$63K
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

Financing a special needs transportation deal in Florida? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to special needs transportation businesses with a Florida project address.

Agent summary

How to finance a special needs transportation acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. T Bank, National Association funds the most here. CapBench is not a lender.

$352K typical loan
4 lenders active in Florida
4+ funded Florida deals
50 days typical to fund

Buyers buying a special needs transportation in Florida typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All special needs transportation lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-13.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/special-needs-transportation/florida
API:: https://www.capbench.com/api/public/lenders?industry=special-needs-transportation&state=FL
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.