Kairos Counseling
Kairos Counseling in Fredericksburg, Virginia operates in the offices of mental health practitioners, excluding physicians. The business was financed with an SBA 7(a) loan for a change of ownership totaling $1,050,000, approved on April 7, 2026 through First-Citizens Bank & Trust Company.
SBA 7(a) loan, change of ownership, approved Apr 7, 2026
$1,050,000 approvedLender: First-Citizens Bank & Trust Company25 years termStatus not reported (SBA exemption)Loan details
- Gross approval
- $1,050,000
- SBA-guaranteed amount
- $787,500 (75% of the approval)
- Lender
- First-Citizens Bank & Trust Company, Raleigh, NC
- Processing method
- Preferred Lender Program: lender approved under delegated SBA authority
- Initial interest rate
- 8.5%, variable
- Term
- 25 years (300 months)
- Estimated maturity
- April 7, 2051 (estimated, approval date plus term)
- Estimated monthly payment
- $8,455 Estimated payment at the initial rate over the full term; actual terms vary.
- First disbursement
- Apr 30, 2026
- Loan status
- Status not reported (SBA exemption)
- Jobs supported
- 21
- Business type
- Corporation
- NAICS
- 621330, Offices of Mental Health Practitioners (except Physicians)
- Project location
- Spotsylvania County, VA
- SBA district office
- Richmond District Office
- Congressional district
- VA-01
- Collateral
- Yes
- Guaranteed portion sold on secondary market
- Yes
- Revolving line of credit
- No (term loan)
- Larger than 39% of acquisition loans in Offices of Mental Health Practitioners (except Physicians) on this site.
- Average acquisition loan in Offices of Mental Health Practitioners (except Physicians): $1,394,742.
- Average acquisition loan in Virginia: $1,860,760.
Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.
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