Financing a vending machine operators acquisition in California

State:

Colorado (1)Florida (5)Georgia (2)Illinois (1)Indiana (1)Kansas (1)Michigan (1)Minnesota (5)New Jersey (1)New York (3)North Carolina (2)Oregon (1)

The SBA 7(a) lenders funding the most vending machine operators 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 vending machine operators in California

$300K

Typical loan

range $61K–$497K

$333K

Est. purchase price

≈ loan ÷ 90%

$44,583

Cash to close

$33,333 down + fees

$4,175/mo

Typical payment

~11.25% · 10yr

$57,615/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

9.12%

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 vending machine operators · California

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.3,264 loans · $846M · Miami, FLFull record →

4+ funded Vending Machine Operators 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.

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
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
LOYAL VENDING LLC in Temecula, CA — $300K (2023) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approved
9/15/2023
Loan status
Cancelled
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
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$4,218
Annual debt service
$51K
Cash flow needed (1.25×)
$63K
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
BLCKTEK LLC in West Covina, CA — $61K (2021) · purchase · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.49% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$46K (75%)
Approval → funding
20 days
Approved
5/11/2021
First disbursed
5/31/2021
Loan status
Paid in full (2/28/2026)
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
$68K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$1,137
Annual debt service
$14K
Cash flow needed (1.25×)
$17K
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

Financing a vending machine operators 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 vending machine operators businesses with a California project address.

Agent summary

How to finance a vending machine operators 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. The Huntington National Bank funds the most here. CapBench is not a lender.

$250K typical loan
3 lenders active in California
4+ funded California deals
22 days typical to fund

Buyers buying a vending machine operators 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 vending machine operators lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-13.
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/california
API:: https://www.capbench.com/api/public/lenders?industry=vending-machine-operators&state=CA
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.