Lender intelligence
Financing a testing laboratories acquisition in Illinois
The SBA 7(a) lenders funding the most testing laboratories acquisitions in Illinois, 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 Illinois
$1.46M
Typical loan
range $1.46M–$1.46M
$1.62M
Est. purchase price
≈ loan ÷ 90%
$222,839
Cash to close
$162,333 down + fees
$19,106/mo
Typical payment
~9.75% · 10yr
$263,663/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
3 days
Typical time to fund
1
Lenders competing
more = leverage
6%
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 testing laboratories · Illinois
Ranked by funded testing laboratories acquisitions in Illinois. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.741 loans · $149M · Northbrook, ILFull record →
1+ funded Testing Laboratories in Illinois 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to testing laboratories businesses with a Illinois project address.
Agent summary
How to finance a testing laboratories acquisition in Illinois with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Illinois deals. CenTrust Bank, A Division of SmartBiz Bank National Association funds the most here. CapBench is not a lender.
- $929K typical loan
- 1 lenders active in Illinois
- 1+ funded Illinois deals
- 3 days typical to fund
Buyers buying a testing laboratories in Illinois typically pre-qualify, then ask CapBench to introduce a lender active here — 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 2026-10-12.
- 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.