Gaynes Lab Holdings, LLC in Wheeling, IL — $1.5M (2022) · purchase · CenTrust Bank, A Division of SmartBiz Bank National Association

Program: 7a General
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.1M (75%)
Approval → funding: 3 days
Approved: 12/28/2021
First disbursed: 12/31/2021
Loan status: Paid in full (11/30/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 5
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $1.6M
Est. down payment (10%): $162K
Est. cash at closing: $223K
Monthly payment: $16,220
Annual debt service: $195K
Cash flow needed (1.25×): $243K

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 CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →

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Clinical Collection Management, Inc. in Saint Louis, MO — $689K (2022) · purchase · St. Louis Bank

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $517K (75%)
Approval → funding: 10 days
Approved: 11/2/2021
First disbursed: 11/12/2021
Loan status: Past due
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 30
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $766K
Est. down payment (10%): $77K
Est. cash at closing: $102K
Monthly payment: $7,649
Annual debt service: $92K
Cash flow needed (1.25×): $115K

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 St. Louis Bank · Lender record →

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KMET Holdings LLC in Rockford, TN — $1.8M (2021) · purchase · U.S. Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 4.85% variable
Term: 180 mo (15 yrs)
SBA guaranteed: $1.6M (90%)
Approval → funding: 41 days
Approved: 9/20/2021
First disbursed: 10/31/2021
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 8
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $2.0M
Est. down payment (10%): $203K
Est. cash at closing: $280K
Monthly payment: $14,321
Annual debt service: $172K
Cash flow needed (1.25×): $215K

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 →

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Analytical Resources LLC in Tukwila, WA — $1.6M (2021) · purchase · Northwest Bank

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.5M (90%)
Approval → funding: 11 days
Approved: 8/23/2021
First disbursed: 9/3/2021
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 3
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $1.8M
Est. down payment (10%): $182K
Est. cash at closing: $250K
Monthly payment: $18,155
Annual debt service: $218K
Cash flow needed (1.25×): $272K

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 Northwest Bank · Lender record →

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Elkhorn Capital Holdings LLC in New Brighton, PA — $753K (2021) · purchase · Enterprise Bank

Program: Preferred Lenders Program
Rate at approval: 5% variable
Term: 180 mo (15 yrs)
SBA guaranteed: $678K (90%)
Approval → funding: 36 days
Approved: 5/17/2021
First disbursed: 6/22/2021
Loan status: Paid in full (2/28/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 15
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $837K
Est. down payment (10%): $84K
Est. cash at closing: $115K
Monthly payment: $5,955
Annual debt service: $71K
Cash flow needed (1.25×): $89K

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 Enterprise Bank · Lender record →

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Analytical Resources LLC in Tukwila, WA — $500K (2021) · purchase · Northwest Bank

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $250K (50%)
Approval → funding: 27 days
Approved: 8/24/2021
First disbursed: 9/20/2021
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 3
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $556K
Est. down payment (10%): $56K
Est. cash at closing: $74K
Monthly payment: $5,551
Annual debt service: $67K
Cash flow needed (1.25×): $83K

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 Northwest Bank · Lender record →

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Ethos Engineering & Testing Inc in Spring, TX — $320K (2021) · purchase · Third Coast Bank

Program: Preferred Lenders Program
Rate at approval: 5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $288K (90%)
Approved: 9/28/2021
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 9
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $356K
Est. down payment (10%): $36K
Est. cash at closing: $48K
Monthly payment: $3,394
Annual debt service: $41K
Cash flow needed (1.25×): $51K

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 Third Coast Bank · Lender record →

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NORTH TEXAS CALIBRATION INC. in Haltom City, TX — $188K (2021) · purchase · PlainsCapital Bank

Program: Preferred Lenders Program
Rate at approval: 4.5% variable
Term: 96 mo (8 yrs)
SBA guaranteed: $169K (90%)
Approval → funding: 1 days
Approved: 3/8/2021
First disbursed: 3/9/2021
Loan status: Current
Loan type: Term loan
Collateral: Not required
Business type: Corporation
Jobs supported: 5
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $209K
Est. down payment (10%): $21K
Est. cash at closing: $28K
Monthly payment: $2,332
Annual debt service: $28K
Cash flow needed (1.25×): $35K

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 PlainsCapital Bank · Lender record →

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CMS Testing LLC in San Antonio, TX — $162K (2021) · purchase · Frost Bank

Program: Preferred Lenders Program
Rate at approval: 5.25% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $122K (75%)
Approval → funding: 61 days
Approved: 10/28/2020
First disbursed: 12/28/2020
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 2
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $180K
Est. down payment (10%): $18K
Est. cash at closing: $24K
Monthly payment: $1,738
Annual debt service: $21K
Cash flow needed (1.25×): $26K

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 Frost Bank · Lender record →

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MYCOSCIENCE LABS LLC in Willington, CT — $3.8M (2020) · purchase · Live Oak Banking Company

Program: Preferred Lenders Program
Rate at approval: 5.3% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $2.9M (75%)
Approval → funding: 13 days
Approved: 8/28/2020
First disbursed: 9/10/2020
Loan status: Paid in full (11/30/2022)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 14
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $4.2M
Est. down payment (10%): $423K
Est. cash at closing: $584K
Monthly payment: $40,918
Annual debt service: $491K
Cash flow needed (1.25×): $614K

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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EnviroTest Acquisition, LLC in Newburgh, NY — $2.3M (2020) · purchase · Firstrust Savings Bank

Program: Preferred Lenders Program
Rate at approval: 6.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.7M (75%)
Approval → funding: 15 days
Approved: 12/16/2019
First disbursed: 12/31/2019
Loan status: Paid in full (3/31/2022)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 11
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $2.5M
Est. down payment (10%): $252K
Est. cash at closing: $347K
Monthly payment: $25,451
Annual debt service: $305K
Cash flow needed (1.25×): $382K

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 Firstrust Savings Bank · Lender record →

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BLACKWATER TECHNICAL SERVICES INC in West Palm Beach, FL — $1.4M (2020) · purchase · LendingClub Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 7% variable
Term: 121 months
SBA guaranteed: $1.0M (75%)
Approval → funding: 38 days
Approved: 10/23/2019
First disbursed: 11/30/2019
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $1.5M
Est. down payment (10%): $152K
Est. cash at closing: $209K
Monthly payment: $15,796
Annual debt service: $190K
Cash flow needed (1.25×): $237K

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 LendingClub Bank, National Association · Lender record →

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ENVIRONMENTAL TESTING LABORATORY, INC. in Thomasville, GA — $955K (2020) · purchase · PNC Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 4.25% variable
Term: 144 mo (12 yrs)
SBA guaranteed: $716K (75%)
Approval → funding: 37 days
Approved: 6/24/2020
First disbursed: 7/31/2020
Loan status: Paid in full (12/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 13
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $1.1M
Est. down payment (10%): $106K
Est. cash at closing: $146K
Monthly payment: $8,478
Annual debt service: $102K
Cash flow needed (1.25×): $127K

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 PNC Bank, National Association · Lender record →

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Melport Enterprises in Milford, NH — $800K (2020) · purchase · Camden National Bank

Program: Preferred Lenders Program
Rate at approval: 3.9% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $600K (75%)
Approval → funding: 37 days
Approved: 8/24/2020
First disbursed: 9/30/2020
Loan status: Paid in full (7/31/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 16
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $889K
Est. down payment (10%): $89K
Est. cash at closing: $122K
Monthly payment: $8,062
Annual debt service: $97K
Cash flow needed (1.25×): $121K

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 Camden National Bank · Lender record →

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MYCOSCIENCE LABS LLC in Willington, CT — $250K (2020) · purchase · Live Oak Banking Company

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 5.3% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $125K (50%)
Approval → funding: 33 days
Approved: 8/28/2020
First disbursed: 9/30/2020
Loan status: Paid in full (11/30/2022)
Loan type: Revolving line
Collateral: Required
Business type: Corporation
Jobs supported: 14
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $278K
Est. down payment (10%): $28K
Est. cash at closing: $37K
Monthly payment: $2,688
Annual debt service: $32K
Cash flow needed (1.25×): $40K

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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Laboratorio Clinico Toa Alta, Inc. in Toa Alta, PR — $225K (2020) · purchase · Economic Development Bank for Puerto Rico

Program: 7a General
Rate at approval: 7.5% variable
Term: 84 mo (7 yrs)
SBA guaranteed: $169K (75%)
Approval → funding: 199 days
Approved: 1/3/2020
First disbursed: 7/20/2020
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 5
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $250K
Est. down payment (10%): $25K
Est. cash at closing: $33K
Monthly payment: $3,451
Annual debt service: $41K
Cash flow needed (1.25×): $52K

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 Economic Development Bank for Puerto Rico · Lender record →

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S & T Engineering INc in Brea, CA — $216K (2020) · purchase · CDC Small Business Finance Corp.

Program: Community Advantage Initiative
Subprogram: Community Advantage Initiative
Rate at approval: 9.75% variable
Term: 68 months
SBA guaranteed: $162K (75%)
Approval → funding: 71 days
Approved: 12/20/2019
First disbursed: 2/29/2020
Loan status: Failed — $167K charged off (11/4/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 3
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $240K
Est. down payment (10%): $24K
Est. cash at closing: $32K
Monthly payment: $4,147
Annual debt service: $50K
Cash flow needed (1.25×): $62K

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 CDC Small Business Finance Corp. · Lender record →

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Melport Enterprises, LLC d/b/a ChemServe in Milford, NH — $100K (2020) · purchase · Camden National Bank

Program: Preferred Lenders Program
Rate at approval: 3.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $50K (50%)
Approval → funding: 36 days
Approved: 8/25/2020
First disbursed: 9/30/2020
Loan status: Paid in full (9/30/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 16
Business age: Change of Ownership
Industry: Testing Laboratories

If you were the buyer here

Est. deal size: $111K
Est. down payment (10%): $11K
Est. cash at closing: $14K
Monthly payment: $977
Annual debt service: $12K
Cash flow needed (1.25×): $15K

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 Camden National Bank · Lender record →

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Financing a testing laboratories acquisition

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Agent summary

Deal economics— what it takes to buy & finance testing laboratories