Closet Factory, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0390)
19 deals since 2020 · typical deal $500K
19
Deals since 2020
$500K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Closet Factory
Most Closet Factory deals financed between $100K and $825K. Above $825K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,539
- Down payment (10%)
- $56K
- Cash to close (all-in)
- $74K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$74K)
Experience
Recent financings
- CRAFTED ROOMS LLC in Austin, TX — $825K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $619K (75%)
- Approval → funding
- 6 days
- Approved
- 3/26/2025
- First disbursed
- 4/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Other Building Finishing Contractors
If you were the buyer here
- Est. deal size
- $917K
- Est. down payment (10%)
- $92K
- Est. cash at closing
- $126K
- Monthly payment
- $10,451
- Annual debt service
- $125K
- Cash flow needed (1.25×)
- $157K
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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- AgBa Investments Limited in San Antonio, TX — $300K (2025) · North State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 10 days
- Approved
- 11/5/2024
- First disbursed
- 11/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by North State Bank · Lender record →
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- CRAFTED ROOMS LLC in Austin, TX — $300K (2025) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approval → funding
- 203 days
- Approved
- 3/25/2025
- First disbursed
- 10/14/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Other Building Finishing Contractors
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,882
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $58K
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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- Closet Factory of Wisconsin LLC in Waukesha, WI — $382K (2024) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $286K (75%)
- Approval → funding
- 92 days
- Approved
- 4/23/2024
- First disbursed
- 7/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
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- Closet Factory of Wisconsin LLC in Waukesha, WI — $75K (2024) · Old National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approval → funding
- 92 days
- Approved
- 4/23/2024
- First disbursed
- 7/24/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
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- Heart Five Holdings, LLC in Fenton, MO — $2.8M (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 0 days
- Approved
- 2/22/2023
- First disbursed
- 2/22/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
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- AJMJ Enterprises LLC in Omaha, NE — $726K (2023) · purchase · Equitable Bank
- Program
- 7a General
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $545K (75%)
- Approval → funding
- 2 days
- Approved
- 7/17/2023
- First disbursed
- 7/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- All Other Specialty Trade Contractors
If you were the buyer here
- Est. deal size
- $807K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $111K
- Monthly payment
- $8,905
- Annual debt service
- $107K
- Cash flow needed (1.25×)
- $134K
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 Equitable Bank
Your business? Claim this record · Request removal
- Heart Five Holdings, LLC in Fenton, MO — $100K (2023) · Wells Fargo Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 0 days
- Approved
- 2/22/2023
- First disbursed
- 2/22/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
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- GDJ Interests Inc. in Houston, TX — $2.8M (2022) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 6 days
- Approved
- 1/19/2022
- First disbursed
- 1/25/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Change of Ownership
- Industry
- All Other Home Furnishings Stores
If you were the buyer here
- Est. deal size
- $3.1M
- Est. down payment (10%)
- $310K
- Est. cash at closing
- $428K
- Monthly payment
- $30,257
- Annual debt service
- $363K
- Cash flow needed (1.25×)
- $454K
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 Bank of the Lake · Lender record →
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- Closet Factory Columbia in Lexington, SC — $1.5M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 15 days
- Approved
- 3/30/2022
- First disbursed
- 4/14/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $163K
- Est. cash at closing
- $223K
- Monthly payment
- $11,888
- Annual debt service
- $143K
- Cash flow needed (1.25×)
- $178K
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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Who funds Closet Factory — and where
Every dot is a financed Closet Factory — 19 mapped.
Financed Closet Factory locations — list all 19 as text
- R.P. Williams & Company Inc. — Plymouth · $500K · FY2021 · All Other Home Furnishings Stores
- Heart Five Holdings, LLC — Fenton · $100K · FY2023 · All Other Miscellaneous Wood Product Manufacturing
- Heart Five Holdings, LLC — Fenton · $2.8M · FY2023 · All Other Miscellaneous Wood Product Manufacturing
- CRAFTED ROOMS LLC — Austin · $300K · FY2025 · Other Building Finishing Contractors
- CRAFTED ROOMS LLC — Austin · $825K · FY2025 · Other Building Finishing Contractors
- Monarch Designs, Inc. — Corona · $700K · FY2022 · All Other Home Furnishings Retailers
- Closet Factory of Wisconsin LLC — Waukesha · $382K · FY2024 · Wood Kitchen Cabinet and Countertop Manufacturing
- Closet Factory of Wisconsin LLC — Waukesha · $75K · FY2024 · Wood Kitchen Cabinet and Countertop Manufacturing
- AgBa Investments Limited — San Antonio · $300K · FY2025 · Other Building Finishing Contractors
- AJMJ Enterprises LLC — Omaha · $726K · FY2023 · All Other Specialty Trade Contractors
- Kirchner Enterprises, Inc. — Fanwood · $150K · FY2020 · Other Building Finishing Contractors
- GDJ Interests Inc. — Houston · $2.8M · FY2022 · All Other Home Furnishings Stores
- Flores Acquisitions, Inc, — Jacksonville · $750K · FY2022 · All Other Home Furnishings Stores
- Closet Factory Columbia — Lexington · $100K · FY2022 · Wood Kitchen Cabinet and Countertop Manufacturing
- Closet Factory Columbia — Lexington · $1.5M · FY2022 · Wood Kitchen Cabinet and Countertop Manufacturing
- The Weldon Group LLC — Louisville · $539K · FY2021 · All Other Miscellaneous Manufacturing
- The Weldon Group LLC — Louisville · $100K · FY2021 · All Other Miscellaneous Manufacturing
- We Organize You Too LLC — Apex · $2.4M · FY2021 · All Other Home Furnishings Stores
- We Organize You Too LLC — Apex · $75K · FY2021 · All Other Home Furnishings Stores
Top lenders for this brand
Most active states
- 1.Texas (4 loans)
- 2.Missouri (2 loans)
- 3.Wisconsin (2 loans)
- 4.South Carolina (2 loans)
- 5.Kentucky (2 loans)
- 6.North Carolina (2 loans)
- 7.Minnesota (1 loans)
- 8.California (1 loans)
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Common questions
How much does a Closet Factory cost to buy or open?
The typical deal for Closet Factory is $500K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $55K of buyer cash on a typical deal.
How risky is Closet Factory?
Closet Factory has 19 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Closet Factory with an SBA loan?
Yes — Closet Factory has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Closet Factory franchise
Most Closet Factory buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Closet Factory deal financed for $500K, which points to about $55K of buyer cash on a typical purchase. Closet Factory is listed in the SBA Franchise Directory (identifier S0390), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Closet Factory — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Closet Factory — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Closet Factory — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Closet Factory is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 19 SBA 7(a) deals since 2020
- $500K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0390)
- Top lenders: Live Oak Banking Company, Beacon Bank and Trust, Wells Fargo Bank National Association
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Closet Factory.