Industry · lender intelligence

Financing a vending machine operators acquisition

State:

The SBA 7(a) lenders funding the most vending machine operators acquisitions, ranked from public loan records — typical deal about $250K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance vending machine operators

$258K

Typical loan

range $120K–$560K

$286K

Est. purchase price

≈ loan ÷ 90%

$38,268

Cash to close

$28,611 down + fees

$3,547/mo

Typical payment

~11% · 10yr

$48,949/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

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 vending machine operators

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

1.3,264 loans · $846M · Miami, FLFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.2 loans · $0M · Storm Lake, IAFull record →
4.1 loans · $0M · St. Louis, MOFull record →
5.2 loans · $1M · Glencoe, MNFull record →
6.16 loans · $18M · Chicago, ILFull record →
7.116 loans · $120M · Evansville, INFull record →
8.23 loans · $30M · Stuart, FLFull record →
9.129 loans · $234M · New York, NYFull record →
10.328 loans · $134M · Cleveland, OHFull record →
11.16 loans · $6M · New Castle, INFull record →
12.1 loans · $1M · Lincoln, NEFull record →
13.20 loans · $21M · Miami, FLFull record →
14.741 loans · $149M · Northbrook, ILFull record →
15.5 loans · $1M · East Lansing, MIFull record →
16.60 loans · $40M · Clayton, MOFull record →
17.618 loans · $171M · Salt Lake City, UTFull record →
18.12 loans · $5M · Fargo, NDFull record →
19.15 loans · $5M · Monument, COFull record →
20.1,296 loans · $1.4B · Wilmington, NCFull record →

35+ funded vending machine operators 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.

Smart Food Vending LLC in Brooklyn, NY — $1.3M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$938K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$139K
Est. cash at closing
$190K
Monthly payment
$15,431
Annual debt service
$185K
Cash flow needed (1.25×)
$231K
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
Pikes Vending LLC in Colorado Springs, CO — $210K (2026) · purchase · Integrity Bank & Trust
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$158K (75%)
Approval → funding
10 days
Approved
1/23/2026
First disbursed
2/2/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$233K
Est. down payment (10%)
$23K
Est. cash at closing
$31K
Monthly payment
$2,746
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 Integrity Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Yorkson Vending Solutions LLC in Minneapolis, MN — $150K (2026) · purchase · Choice Financial Group
Program
Preferred Lenders Program
Rate at approval
8.85% fixed
Term
87 months
SBA guaranteed
$128K (85%)
Approval → funding
41 days
Approved
1/7/2026
First disbursed
2/17/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,342
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 Choice Financial Group · Lender record →
Your business? Claim this record · Request removal
Smith Coastal Vending, LLC in Fort Myers, FL — $100K (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,308
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
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 Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Smith Coastal Vending, LLC in Fort Myers, FL — $25K (2026) · purchase · Newtek Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
3/5/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$377
Annual debt service
$5K
Cash flow needed (1.25×)
$6K
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 Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Empire Vending, LLC in Brookshire, TX — $1.3M (2025) · purchase · Midwest Regional Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
79 days
Approved
3/18/2025
First disbursed
6/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
48
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$149K
Est. cash at closing
$204K
Monthly payment
$17,921
Annual debt service
$215K
Cash flow needed (1.25×)
$269K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Van Pelt Vending LLC in Saint Paul, MN — $1.2M (2025) · purchase · Security Bank & Trust Company
Program
7a General
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$934K (75%)
Approval → funding
23 days
Approved
9/2/2025
First disbursed
9/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$138K
Est. cash at closing
$190K
Monthly payment
$14,941
Annual debt service
$179K
Cash flow needed (1.25×)
$224K
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 Security Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Polman and Associates, Inc. in Valencia, CA — $497K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$373K (75%)
Approval → funding
22 days
Approved
5/20/2025
First disbursed
6/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$552K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$6,637
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Great Lakes Vending LLC in Lansing, MI — $350K (2025) · purchase · Michigan Certified Development Corporation
Program
7a General
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
67 days
Approved
8/8/2025
First disbursed
10/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,772
Annual debt service
$57K
Cash flow needed (1.25×)
$72K
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 Michigan Certified Development Corporation · Lender record →
Your business? Claim this record · Request removal
Myriad Vending NC, LLC in Rocky Mount, NC — $281K (2025) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$211K (75%)
Approval → funding
55 days
Approved
3/6/2025
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$312K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$3,951
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 Bank · Lender record →
Your business? Claim this record · Request removal
Snack On Vending LLC in Richmond, TX — $81K (2025) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$69K (85%)
Approval → funding
2 days
Approved
11/20/2024
First disbursed
11/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$90K
Est. down payment (10%)
$9K
Est. cash at closing
$12K
Monthly payment
$1,070
Annual debt service
$13K
Cash flow needed (1.25×)
$16K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Van Pelt Vending LLC in Saint Paul, MN — $50K (2025) · purchase · Security Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
9/4/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$640
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 Security Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Polman and Associates, Inc. in Valencia, CA — $30K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
5/20/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$33K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$401
Annual debt service
$5K
Cash flow needed (1.25×)
$6K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Gourmet Grinders, LLC in Raleigh, NC — $498K (2024) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$374K (75%)
Approval → funding
20 days
Approved
4/3/2024
First disbursed
4/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$553K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$6,790
Annual debt service
$81K
Cash flow needed (1.25×)
$102K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Cooper Vending Solutions, LLC in New Hartford, NY — $338K (2024) · purchase · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
10.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$253K (75%)
Approval → funding
12 days
Approved
6/20/2024
First disbursed
7/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$375K
Est. down payment (10%)
$38K
Est. cash at closing
$50K
Monthly payment
$4,647
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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 KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Stagecoach West LLC in Redmond, OR — $305K (2024) · purchase · Banesco USA
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$229K (75%)
Approval → funding
25 days
Approved
11/9/2023
First disbursed
12/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$339K
Est. down payment (10%)
$34K
Est. cash at closing
$45K
Monthly payment
$4,245
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
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 Banesco USA · Lender record →
Your business? Claim this record · Request removal
FRALE LLC in Orlando, FL — $258K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$193K (75%)
Approval → funding
6 days
Approved
2/23/2024
First disbursed
2/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$286K
Est. down payment (10%)
$29K
Est. cash at closing
$38K
Monthly payment
$3,584
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Prime Time Vending & Coffee Service, LLC in Wheeling, IL — $144K (2024) · purchase · CenTrust Bank, A Division of SmartBiz Bank National Association
Program
7a General
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$122K (85%)
Approval → funding
59 days
Approved
12/12/2023
First disbursed
2/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$160K
Est. down payment (10%)
$16K
Est. cash at closing
$21K
Monthly payment
$2,025
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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
VEND DC LLC in Noblesville, IN — $50K (2024) · purchase · Citizens State Bank of New Castle
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
119 months
SBA guaranteed
$25K (50%)
Approval → funding
12 days
Approved
2/28/2024
First disbursed
3/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$650
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 Citizens State Bank of New Castle · Lender record →
Your business? Claim this record · Request removal
1G Capital LLC in South Orange, NJ — $597K (2023) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$448K (75%)
Approval → funding
8 days
Approved
9/27/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Vending Machine Operators
If you were the buyer here
Est. deal size
$663K
Est. down payment (10%)
$66K
Est. cash at closing
$89K
Monthly payment
$8,394
Annual debt service
$101K
Cash flow needed (1.25×)
$126K
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 Port 51 Lending LLC · 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 vending machine operators businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a vending machine operators 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. Newtek Bank, National Association funds the most. CapBench is not a lender.

$250K typical loan
27 lenders fund the industry
14 days typical to fund

Buyers researching a vending machine operators 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/vending-machine-operators
API:: https://www.capbench.com/api/public/lenders?industry=vending-machine-operators
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.