Industry · lender intelligence

Financing a testing laboratories acquisition

State:

The SBA 7(a) lenders funding the most testing laboratories acquisitions, ranked from public loan records — typical deal about $929K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance testing laboratories

$753K

Typical loan

range $225K–$1.46M

$837K

Est. purchase price

≈ loan ÷ 90%

$114,728

Cash to close

$83,667 down + fees

$9,744/mo

Typical payment

~9.5% · 10yr

$134,467/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

36 days

Typical time to fund

Lenders competing

more = leverage

5.62%

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 testing laboratories

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

1.2 loans · $0M · Camden, MEFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.9 loans · $10M · Warren, PAFull record →
4.128 loans · $40M · Wilmington, DEFull record →
5.28 loans · $42M · Lehi, UTFull record →
6.31 loans · $39M · Conshohocken, PAFull record →
7.154 loans · $26M · San Diego, CAFull record →
8.6 loans · $1M · San Juan, PRFull record →
9.54 loans · $15M · University Park, TXFull record →
10.9 loans · $6M · Omaha, NEFull record →
11.38 loans · $21M · San Antonio, TXFull record →
12.7 loans · $3M · Humble, TXFull record →
13.1 loans · $0M · Saint Louis, MOFull record →
14.741 loans · $149M · Northbrook, ILFull record →

18+ funded testing laboratories 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.

Gaynes Lab Holdings, LLC in Wheeling, IL — $1.5M (2022) · purchase · CenTrust Bank, A Division of SmartBiz Bank National Association
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
3 days
Approved
12/28/2021
First disbursed
12/31/2021
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$162K
Est. cash at closing
$223K
Monthly payment
$16,220
Annual debt service
$195K
Cash flow needed (1.25×)
$243K
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 CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
Your business? Claim this record · Request removal
Clinical Collection Management, Inc. in Saint Louis, MO — $689K (2022) · purchase · St. Louis Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$517K (75%)
Approval → funding
10 days
Approved
11/2/2021
First disbursed
11/12/2021
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$766K
Est. down payment (10%)
$77K
Est. cash at closing
$102K
Monthly payment
$7,649
Annual debt service
$92K
Cash flow needed (1.25×)
$115K
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 St. Louis Bank · Lender record →
Your business? Claim this record · Request removal
KMET Holdings LLC in Rockford, TN — $1.8M (2021) · purchase · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.85% variable
Term
180 mo (15 yrs)
SBA guaranteed
$1.6M (90%)
Approval → funding
41 days
Approved
9/20/2021
First disbursed
10/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$203K
Est. cash at closing
$280K
Monthly payment
$14,321
Annual debt service
$172K
Cash flow needed (1.25×)
$215K
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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Analytical Resources LLC in Tukwila, WA — $1.6M (2021) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (90%)
Approval → funding
11 days
Approved
8/23/2021
First disbursed
9/3/2021
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
Testing Laboratories
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$182K
Est. cash at closing
$250K
Monthly payment
$18,155
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
Elkhorn Capital Holdings LLC in New Brighton, PA — $753K (2021) · purchase · Enterprise Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$678K (90%)
Approval → funding
36 days
Approved
5/17/2021
First disbursed
6/22/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$837K
Est. down payment (10%)
$84K
Est. cash at closing
$115K
Monthly payment
$5,955
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
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 Enterprise Bank · Lender record →
Your business? Claim this record · Request removal
Analytical Resources LLC in Tukwila, WA — $500K (2021) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
27 days
Approved
8/24/2021
First disbursed
9/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,551
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
Ethos Engineering & Testing Inc in Spring, TX — $320K (2021) · purchase · Third Coast Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$288K (90%)
Approved
9/28/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$356K
Est. down payment (10%)
$36K
Est. cash at closing
$48K
Monthly payment
$3,394
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
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 Third Coast Bank · Lender record →
Your business? Claim this record · Request removal
NORTH TEXAS CALIBRATION INC. in Haltom City, TX — $188K (2021) · purchase · PlainsCapital Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
96 mo (8 yrs)
SBA guaranteed
$169K (90%)
Approval → funding
1 days
Approved
3/8/2021
First disbursed
3/9/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$209K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$2,332
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
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 PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal
CMS Testing LLC in San Antonio, TX — $162K (2021) · purchase · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$122K (75%)
Approval → funding
61 days
Approved
10/28/2020
First disbursed
12/28/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$180K
Est. down payment (10%)
$18K
Est. cash at closing
$24K
Monthly payment
$1,738
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 Frost Bank · Lender record →
Your business? Claim this record · Request removal
MYCOSCIENCE LABS LLC in Willington, CT — $3.8M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.3% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
13 days
Approved
8/28/2020
First disbursed
9/10/2020
Loan status
Paid in full (11/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$423K
Est. cash at closing
$584K
Monthly payment
$40,918
Annual debt service
$491K
Cash flow needed (1.25×)
$614K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
EnviroTest Acquisition, LLC in Newburgh, NY — $2.3M (2020) · purchase · Firstrust Savings Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
15 days
Approved
12/16/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$252K
Est. cash at closing
$347K
Monthly payment
$25,451
Annual debt service
$305K
Cash flow needed (1.25×)
$382K
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 Firstrust Savings Bank · Lender record →
Your business? Claim this record · Request removal
BLACKWATER TECHNICAL SERVICES INC in West Palm Beach, FL — $1.4M (2020) · purchase · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
121 months
SBA guaranteed
$1.0M (75%)
Approval → funding
38 days
Approved
10/23/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$152K
Est. cash at closing
$209K
Monthly payment
$15,796
Annual debt service
$190K
Cash flow needed (1.25×)
$237K
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 LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ENVIRONMENTAL TESTING LABORATORY, INC. in Thomasville, GA — $955K (2020) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
144 mo (12 yrs)
SBA guaranteed
$716K (75%)
Approval → funding
37 days
Approved
6/24/2020
First disbursed
7/31/2020
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$146K
Monthly payment
$8,478
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
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
Melport Enterprises in Milford, NH — $800K (2020) · purchase · Camden National Bank
Program
Preferred Lenders Program
Rate at approval
3.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approval → funding
37 days
Approved
8/24/2020
First disbursed
9/30/2020
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$889K
Est. down payment (10%)
$89K
Est. cash at closing
$122K
Monthly payment
$8,062
Annual debt service
$97K
Cash flow needed (1.25×)
$121K
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 Camden National Bank · Lender record →
Your business? Claim this record · Request removal
MYCOSCIENCE LABS LLC in Willington, CT — $250K (2020) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.3% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
33 days
Approved
8/28/2020
First disbursed
9/30/2020
Loan status
Paid in full (11/30/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$2,688
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Laboratorio Clinico Toa Alta, Inc. in Toa Alta, PR — $225K (2020) · purchase · Economic Development Bank for Puerto Rico
Program
7a General
Rate at approval
7.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
199 days
Approved
1/3/2020
First disbursed
7/20/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$250K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$3,451
Annual debt service
$41K
Cash flow needed (1.25×)
$52K
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 Economic Development Bank for Puerto Rico · Lender record →
Your business? Claim this record · Request removal
S & T Engineering INc in Brea, CA — $216K (2020) · purchase · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
9.75% variable
Term
68 months
SBA guaranteed
$162K (75%)
Approval → funding
71 days
Approved
12/20/2019
First disbursed
2/29/2020
Loan status
Failed — $167K charged off (11/4/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$240K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$4,147
Annual debt service
$50K
Cash flow needed (1.25×)
$62K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Melport Enterprises, LLC d/b/a ChemServe in Milford, NH — $100K (2020) · purchase · Camden National Bank
Program
Preferred Lenders Program
Rate at approval
3.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
36 days
Approved
8/25/2020
First disbursed
9/30/2020
Loan status
Paid in full (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Testing Laboratories
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$977
Annual debt service
$12K
Cash flow needed (1.25×)
$15K
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 Camden 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 testing laboratories businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a testing laboratories 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. Camden National Bank funds the most. CapBench is not a lender.

$929K typical loan
15 lenders fund the industry
36 days typical to fund

Buyers researching a testing laboratories 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

Pre-qualify this deal Talk to a loan broker

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/testing-laboratories
API:: https://www.capbench.com/api/public/lenders?industry=testing-laboratories
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.