Financing a testing laboratories and services acquisition in Florida

State:

The SBA 7(a) lenders funding the most testing laboratories and services 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 testing laboratories and services in Florida

$387K

Typical loan

range $250K–$3.27M

$430K

Est. purchase price

≈ loan ÷ 90%

$57,513

Cash to close

$43,000 down + fees

$5,008/mo

Typical payment

~9.5% · 10yr

$69,110/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

9 days

Typical time to fund

Lenders competing

more = leverage

10.17%

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 and services · Florida

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

1.168 loans · $205M · Fishers, INFull record →

3+ funded Testing Laboratories and Services 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.

EnviroHome in Stuart, FL — $3.3M (2025) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
9 days
Approved
9/16/2025
First disbursed
9/25/2025
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
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$363K
Est. cash at closing
$502K
Monthly payment
$42,775
Annual debt service
$513K
Cash flow needed (1.25×)
$642K
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
EnviroHome in Stuart, FL — $250K (2025) · purchase · First Internet Bank of Indiana
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
9 days
Approved
9/16/2025
First disbursed
9/25/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,269
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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
CENTRAL FLORIDA WATER TESTING LLC in Leesburg, FL — $387K (2023) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$290K (75%)
Approval → funding
15 days
Approved
6/20/2023
First disbursed
7/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Testing Laboratories and Services
If you were the buyer here
Est. deal size
$430K
Est. down payment (10%)
$43K
Est. cash at closing
$58K
Monthly payment
$5,331
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal

Financing a testing laboratories and services 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 testing laboratories and services businesses with a Florida project address.

Agent summary

How to finance a testing laboratories and services 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. First Internet Bank of Indiana funds the most here. CapBench is not a lender.

$768K typical loan
2 lenders active in Florida
3+ funded Florida deals
9 days typical to fund

Buyers buying a testing laboratories and services 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 testing laboratories and services lenders

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