{"ok":true,"canonical_url":"https://dealroom.so/franchises/payroll-vault","api_url":"https://dealroom.so/api/public/franchises/payroll-vault","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://dealroom.so/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"franchise":{"brand":"Payroll Vault","slug":"payroll-vault","url":"https://dealroom.so/franchises/payroll-vault","sbaLoansSince2020":9,"businessPurchases":0,"typicalDeal":150000,"dealRange25th75th":[120000,150000],"avgRatePct":7.33,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":0,"topLenders":[{"name":"United Midwest Savings Bank National Association","count":6,"url":"https://dealroom.so/lenders/united-midwest-savings-bank-national-association"},{"name":"BHCU D/B/A Propell Credit Union","count":1,"url":"https://dealroom.so/lenders/bhcu-d-b-a-propell-credit-union"},{"name":"InBank","count":1,"url":"https://dealroom.so/lenders/inbank"},{"name":"Readycap Lending, LLC","count":1,"url":"https://dealroom.so/lenders/readycap-lending-llc"}],"topStates":[{"count":2,"state":"TX"},{"count":1,"state":"PA"},{"count":1,"state":"MI"},{"count":1,"state":"CO"},{"count":1,"state":"NY"},{"count":1,"state":"GA"},{"count":1,"state":"NJ"},{"count":1,"state":"VA"}],"recentDeals":[{"borrower":"BUSINESS PAYROLL AND EMPLOYMENT SOLUTIONS, LLC","city":"Penn Yan","state":"NY","amount":150000,"fiscalYear":2024,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Subvect Solutions Inc","city":"Frisco","state":"TX","amount":150000,"fiscalYear":2024,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"RVA Payroll Solutions, LLC","city":"Henrico","state":"VA","amount":150000,"fiscalYear":2022,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"J&J BUSINESS SERVICES LLC","city":"Edison","state":"NJ","amount":80000,"fiscalYear":2022,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Out West Business Services LLC","city":"Fort Collins","state":"CO","amount":325400,"fiscalYear":2021,"businessPurchase":false,"lender":"InBank"},{"borrower":"BABYBIRD LLC","city":"Farmington Hills","state":"MI","amount":150000,"fiscalYear":2021,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"3 Diamonds Business Solutions LLC","city":"Havertown","state":"PA","amount":125000,"fiscalYear":2021,"businessPurchase":false,"lender":"BHCU D/B/A Propell Credit Union"},{"borrower":"Haynes Group Consulting LLC","city":"Argyle","state":"TX","amount":100000,"fiscalYear":2021,"businessPurchase":false,"lender":"Readycap Lending, LLC"},{"borrower":"Mukendi Group, LLC","city":"Snellville","state":"GA","amount":120000,"fiscalYear":2020,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom franchise financing record","url":"https://dealroom.so/franchises/payroll-vault","source_type":"DealRoom Data"}}