{"ok":true,"canonical_url":"https://dealroom.so/lenders/institute-capital-inc","api_url":"https://dealroom.so/api/public/lenders/institute-capital-inc","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":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"Institute Capital, Inc.","slug":"institute-capital-inc","url":"https://dealroom.so/lenders/institute-capital-inc","hq":"Durham, NC","website":null,"branchCount":null,"sbaFocus":null,"recentDealsSampled":16,"businessPurchases":0,"typicalDeal":127000,"dealRange25th75th":[73000,300000],"typicalDaysApprovalToFunding":27,"topIndustries":[{"count":2,"name":"Full-Service Restaurants"},{"count":2,"name":"Pet Care (except Veterinary) Services"},{"count":2,"name":"Child Care Services"},{"count":1,"name":"Limited-Service Restaurants"},{"count":1,"name":"Book Retailers and News Dealers"},{"count":1,"name":"Spice and Extract Manufacturing"},{"count":1,"name":"Postal Service"},{"count":1,"name":"All Other Transit and Ground Passenger Transportation"}],"topStates":[{"count":13,"state":"NC"},{"count":2,"state":"VA"},{"count":1,"state":"SC"}],"topFranchises":[{"name":"Well Groomed Pets","count":2,"url":"https://dealroom.so/franchises/well-groomed-pets"}],"recentDeals":[{"acquisition":false,"approvalDate":"1/9/2026","borrName":"Lutra Cafe and Bakery, LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Durham","collateral":true,"daysToFund":21,"firstDisbursement":"1/30/2026","fixedVar":"F","franchise":null,"fy":2026,"gross":350000,"industry":"Limited-Service Restaurants","jobs":12,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":8,"revolver":"FALSE","sbaGuaranteed":262500,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":65},{"acquisition":false,"approvalDate":"11/17/2025","borrName":"Rumruay LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Virginia Beach","collateral":true,"daysToFund":1,"firstDisbursement":"11/18/2025","fixedVar":"F","franchise":null,"fy":2026,"gross":245000,"industry":"Full-Service Restaurants","jobs":6,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":12,"revolver":"FALSE","sbaGuaranteed":183750,"soldSecMkt":null,"state":"VA","status":"CURR","subprogram":"Guaranty","termMonths":54},{"acquisition":false,"approvalDate":"2/12/2026","borrName":"The Crooked Shelf Books & Brews LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Statesville","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":170000,"industry":"Book Retailers and News Dealers","jobs":2,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":127500,"soldSecMkt":null,"state":"NC","status":"COMMIT","subprogram":"Guaranty","termMonths":121},{"acquisition":false,"approvalDate":"3/23/2026","borrName":"Zane's Carolina Seasoning LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Sanford","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":50000,"industry":"Spice and Extract Manufacturing","jobs":3,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":10.5,"revolver":"FALSE","sbaGuaranteed":42500,"soldSecMkt":null,"state":"NC","status":"COMMIT","subprogram":"Guaranty","termMonths":48},{"acquisition":false,"approvalDate":"9/18/2025","borrName":"Lewmer Enterprises LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Richmond","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2025,"gross":350000,"industry":"Full-Service Restaurants","jobs":37,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":262500,"soldSecMkt":null,"state":"VA","status":"COMMIT","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"7/29/2025","borrName":"Well Groomed Pets - Cary LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Cary","collateral":true,"daysToFund":27,"firstDisbursement":"8/25/2025","fixedVar":"F","franchise":"Well Groomed Pets","fy":2025,"gross":127000,"industry":"Pet Care (except Veterinary) Services","jobs":6,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":107950,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"1/23/2025","borrName":"Seven Mondays Inc.","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Greenville","collateral":true,"daysToFund":0,"firstDisbursement":"1/23/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":125000,"industry":"Postal Service","jobs":6,"paidInFullDate":null,"processing":"7a General","rate":11,"revolver":"FALSE","sbaGuaranteed":106250,"soldSecMkt":null,"state":"NC","status":"LIQUID","subprogram":"Guaranty","termMonths":60},{"acquisition":false,"approvalDate":"12/23/2024","borrName":"Glory Train Transportation LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Pelham","collateral":true,"daysToFund":16,"firstDisbursement":"1/8/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":120000,"industry":"All Other Transit and Ground Passenger Transportation","jobs":5,"paidInFullDate":null,"processing":"7a General","rate":10,"revolver":"FALSE","sbaGuaranteed":102000,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":84},{"acquisition":false,"approvalDate":"12/13/2024","borrName":"Blacksmith Trucking LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Louisburg","collateral":true,"daysToFund":27,"firstDisbursement":"1/9/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":75000,"industry":"General Freight Trucking, Local","jobs":2,"paidInFullDate":null,"processing":"7a General","rate":10,"revolver":"FALSE","sbaGuaranteed":63750,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":84},{"acquisition":false,"approvalDate":"5/20/2025","borrName":"Kennedy's Industrial Waste Equipment Repairs LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Mooresville","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2025,"gross":73000,"industry":"All Other Miscellaneous Waste Management Services","jobs":6,"paidInFullDate":null,"processing":"7a General","rate":10,"revolver":"FALSE","sbaGuaranteed":62050,"soldSecMkt":null,"state":"NC","status":"CANCLD","subprogram":"Guaranty","termMonths":84}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required).","web_url":"https://dealroom.so/lenders/institute-capital-inc?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"NC"},"web_url":"https://dealroom.so/lenders/state/nc?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"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 lender profile","url":"https://dealroom.so/lenders/institute-capital-inc","source_type":"DealRoom Data"}}