Financing a testing laboratories acquisition in California

State:

The SBA 7(a) lenders funding the most testing laboratories acquisitions in California, 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 in California

$216K

Typical loan

range $216K–$216K

$240K

Est. purchase price

≈ loan ÷ 90%

$32,100

Cash to close

$24,000 down + fees

$3,162/mo

Typical payment

~12.5% · 10yr

$43,636/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

71 days

Typical time to fund

Lenders competing

more = leverage

9.75%

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 · California

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

Not enough public testing laboratories loan history in California to rank lenders yet. See testing laboratories lenders nationwide →

1+ funded Testing Laboratories in California 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.

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 →
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Financing a testing laboratories deal in California? 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 businesses with a California project address.

Agent summary

How to finance a testing laboratories acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. CapBench is not a lender.

$929K typical loan
1 lenders active in California
1+ funded California deals
71 days typical to fund

Buyers buying a testing laboratories in California 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 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/california
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.