Lender intelligence
Financing a vending machine operators acquisition in New York
The SBA 7(a) lenders funding the most vending machine operators acquisitions in New York, 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 New York
$338K
Typical loan
range $150K–$1.25M
$375K
Est. purchase price
≈ loan ÷ 90%
$50,157
Cash to close
$37,500 down + fees
$4,649/mo
Typical payment
~11% · 10yr
$64,156/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
18 days
Typical time to fund
3
Lenders competing
more = leverage
8.55%
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 · New York
Ranked by funded vending machine operators acquisitions in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
3+ funded Vending Machine Operators in New York 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 →
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- 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
- iVend Services in Hornell, NY — $150K (2022) · purchase · Maple City Savings Bank, FSB
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 18 days
- Approved
- 9/26/2022
- First disbursed
- 10/14/2022
- 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
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $2,209
- Annual debt service
- $27K
- Cash flow needed (1.25×)
- $33K
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 Maple City Savings Bank, FSB
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 with a New York project address.
Agent summary
How to finance a vending machine operators acquisition in New York with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded New York deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $250K typical loan
- 3 lenders active in New York
- 3+ funded New York deals
- 18 days typical to fund
Buyers buying a vending machine operators in New York 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 2026-06-18.
- 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.