Business Services · lender intelligence
Financing a payroll services acquisition
The SBA 7(a) lenders funding the most payroll services acquisitions, ranked from public loan records — typical deal about $610K. A lender doing your industry every week underwrites faster and prices sharper.
Most active in payroll services
Ranked by funded payroll services acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.618 loans · $171M · Salt Lake City, UTFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
- 3.2 loans · $0M · Pine Bluff, ARFull record →
- 4.28 loans · $25M · Fresno, CAFull record →
- 5.7 loans · $13M · Anchorage, AKFull record →
- 6.47 loans · $39M · Greenville, PAFull record →
- 7.1,927 loans · $207M · Buffalo, NYFull record →
9+ funded payroll services 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.
- Easytrack Payroll, LLC in San Antonio, TX — $805K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $604K (75%)
- Approval → funding
- 15 days
- Approved
- 11/17/2025
- First disbursed
- 12/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $894K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $123K
- Monthly payment
- $10,197
- Annual debt service
- $122K
- Cash flow needed (1.25×)
- $153K
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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- THOMAS P. FINUCANE & ASSOCIATES, INC. in Cleveland, OH — $1.6M (2025) · purchase · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 8.67% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 71 days
- Approved
- 5/12/2025
- First disbursed
- 7/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $1.7M
- Est. down payment (10%)
- $174K
- Est. cash at closing
- $240K
- Monthly payment
- $19,609
- Annual debt service
- $235K
- Cash flow needed (1.25×)
- $294K
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 National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- Kerr Payroll Solutions, LLC in Fresno, CA — $882K (2025) · purchase · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $662K (75%)
- Approval → funding
- 19 days
- Approved
- 7/18/2025
- First disbursed
- 8/6/2025
- 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
- Payroll Services
If you were the buyer here
- Est. deal size
- $980K
- Est. down payment (10%)
- $98K
- Est. cash at closing
- $134K
- Monthly payment
- $11,534
- Annual debt service
- $138K
- Cash flow needed (1.25×)
- $173K
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 FFB Bank · Lender record →
Your business? Claim this record · Request removal
- Alaska's Best Payroll Solution, Inc. in Anchorage, AK — $345K (2025) · purchase · Alaska Growth Capital BIDCO, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 119 months
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 14 days
- Approved
- 8/19/2025
- First disbursed
- 9/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $383K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $4,677
- 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 Alaska Growth Capital BIDCO, Inc. · Lender record →
Your business? Claim this record · Request removal
- UPSTATE PAYROLL SERVICES, LLC in Horseheads, NY — $298K (2025) · purchase · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $223K (75%)
- Approval → funding
- 154 days
- Approved
- 6/4/2025
- First disbursed
- 11/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $331K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $44K
- Monthly payment
- $3,609
- 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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- MassPay Inc in Lafayette, IN — $5.0M (2024) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 119 months
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 18 days
- Approved
- 8/30/2024
- First disbursed
- 9/17/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 98
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $65,025
- Annual debt service
- $780K
- Cash flow needed (1.25×)
- $975K
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
- LUXA ENTERPRISES, L.L.C. in Tulsa, OK — $2.0M (2024) · purchase · Simmons Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 8 days
- Approved
- 3/21/2024
- First disbursed
- 3/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $218K
- Est. cash at closing
- $301K
- Monthly payment
- $25,962
- Annual debt service
- $312K
- Cash flow needed (1.25×)
- $389K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
- American Benefits Company, Inc. in Spanish Fork, UT — $900K (2021) · purchase · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $810K (90%)
- Approval → funding
- 13 days
- Approved
- 6/17/2021
- First disbursed
- 6/30/2021
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $1000K
- Est. down payment (10%)
- $100K
- Est. cash at closing
- $137K
- Monthly payment
- $9,545
- Annual debt service
- $115K
- Cash flow needed (1.25×)
- $143K
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
- GUARANTEED PAYROLL SOLUTIONS LLC in Las Vegas, NV — $218K (2020) · purchase · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $163K (75%)
- Approval → funding
- 20 days
- Approved
- 9/10/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Payroll Services
If you were the buyer here
- Est. deal size
- $242K
- Est. down payment (10%)
- $24K
- Est. cash at closing
- $32K
- Monthly payment
- $2,391
- Annual debt service
- $29K
- Cash flow needed (1.25×)
- $36K
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
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to payroll services businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a payroll services 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. Zions Bank, A Division of funds the most. DealRoom is not a lender.
- $610K typical loan
- 7 lenders fund the industry
- 18 days typical to fund
Buyers researching a payroll services deal typically pre-qualify, then ask DealRoom to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.