Industry · lender intelligence
Financing a telephone answering services acquisition
The SBA 7(a) lenders funding the most telephone answering services acquisitions, ranked from public loan records — typical deal about $874K. A lender doing your industry every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance telephone answering services
$700K
Typical loan
range $350K–$3.67M
$778K
Est. purchase price
≈ loan ÷ 90%
$104,028
Cash to close
$77,778 down + fees
$9,058/mo
Typical payment
~9.5% · 10yr
$125,000/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
36 days
Typical time to fund
3
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 telephone answering services
Ranked by funded telephone answering services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.105 loans · $164M · Brookline, MAFull record →
3+ funded telephone answering 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.
- 5654 Okeechobee LLC in Okeechobee, FL — $700K (2025) · purchase · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approved
- 2/5/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Telephone Answering Services
If you were the buyer here
- Est. deal size
- $778K
- Est. down payment (10%)
- $78K
- Est. cash at closing
- $104K
- Monthly payment
- $7,860
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $118K
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 Bank of America, National Association · Lender record →
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- ADVANCE COMMUNICATIONS, INC. in Farmington, CT — $3.7M (2024) · purchase · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.8M (75%)
- Approval → funding
- 36 days
- Approved
- 6/26/2024
- First disbursed
- 8/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 46
- Business age
- Change of Ownership
- Industry
- Telephone Answering Services
If you were the buyer here
- Est. deal size
- $4.1M
- Est. down payment (10%)
- $408K
- Est. cash at closing
- $564K
- Monthly payment
- $49,076
- Annual debt service
- $589K
- Cash flow needed (1.25×)
- $736K
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 Beacon Bank and Trust · Lender record →
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- Front Office Solutions LLC in La Grande, OR — $350K (2023) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 21 days
- Approved
- 10/14/2022
- First disbursed
- 11/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Telephone Answering Services
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,481
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $67K
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 Newtek Small Business Finance, Inc.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to telephone answering services businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a telephone answering 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. Beacon Bank and Trust funds the most. CapBench is not a lender.
- $874K typical loan
- 3 lenders fund the industry
- 36 days typical to fund
Buyers researching a telephone answering 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 2026-06-18.
- 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.