Closets by Design, 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 S0391)
15 deals since 2020 · typical deal $400K
15
Deals since 2020
$400K
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Closets by Design
Most Closets by Design deals financed between $280K and $1.09M. Above $1.09M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,231
- Down payment (10%)
- $44K
- Cash to close (all-in)
- $59K
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 ~$59K)
Experience
Recent financings
- Coffey Companies LLC in Woodlawn, MD — $855K (2026) · Grasshopper Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $641K (75%)
- Approved
- 1/9/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by Grasshopper Bank National Association · Lender record →
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- 1314 LLC in Norfolk, VA — $350K (2026) · Southern Bank and Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 129 months
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 29 days
- Approved
- 12/11/2025
- First disbursed
- 1/9/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Southern Bank and Trust Company · Lender record →
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- Custom Closet Creations of South Florida, LLC in Pompano Beach, FL — $1.6M (2025) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.68% fixed
- Term
- 101 months
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 29 days
- Approved
- 7/21/2025
- First disbursed
- 8/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Other Building Finishing Contractors
Funded by Bank of America, National Association · Lender record →
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- Tallahassee Closets LLC in Tallahassee, FL — $400K (2025) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 190 days
- Approved
- 3/24/2025
- First disbursed
- 9/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by Colony Bank · Lender record →
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- ECSM ENTERPRISES, LLC in Victor, NY — $391K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $293K (75%)
- Approval → funding
- 39 days
- Approved
- 1/24/2025
- First disbursed
- 3/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by ESL FCU · Lender record →
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- ECSM ENTERPRISES, LLC in Victor, NY — $280K (2025) · ESL FCU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $140K (50%)
- Approval → funding
- 20 days
- Approved
- 1/24/2025
- First disbursed
- 2/13/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by ESL FCU · Lender record →
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- Custom Closet Creations of South Florida, LLC in Pompano Beach, FL — $1.8M (2023) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 12 days
- Approved
- 7/19/2023
- First disbursed
- 7/31/2023
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Residential Remodelers
Funded by Truist Bank · Lender record →
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- BRANDT INDUSTRIES LLC in Fresno, CA — $1.1M (2023) · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $815K (75%)
- Approval → funding
- 23 days
- Approved
- 1/17/2023
- First disbursed
- 2/9/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Interior Design Services
Funded by FFB Bank · Lender record →
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- Vestiarium Inc. in Indianapolis, IN — $500K (2022) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 9 days
- Approved
- 12/14/2021
- First disbursed
- 12/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by Merchants Bank of Indiana · Lender record →
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- Vestiarium Inc. in Indianapolis, IN — $250K (2022) · Merchants Bank of Indiana
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 2.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approved
- 12/14/2021
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by Merchants Bank of Indiana · Lender record →
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Who funds Closets by Design — and where
Every dot is a financed Closets by Design — 15 mapped.
Financed Closets by Design locations — list all 15 as text
- JBIRD ENTERPRISES, INC. — Grand Rapids · $100K · FY2021 · Residential Remodelers
- BRANDT INDUSTRIES LLC — Fresno · $1.1M · FY2023 · Interior Design Services
- Custom Closet Creations of South Florida, LLC — Pompano Beach · $1.6M · FY2025 · Other Building Finishing Contractors
- 1314 LLC — Norfolk · $350K · FY2026 · Wood Kitchen Cabinet and Countertop Manufacturing
- Coffey Companies LLC — Woodlawn · $855K · FY2026 · Finish Carpentry Contractors
- Tallahassee Closets LLC — Tallahassee · $400K · FY2025 · Residential Remodelers
- Milocer LLC — Bethel · $413K · FY2021 · Other Building Finishing Contractors
- ECSM ENTERPRISES, LLC — Victor · $391K · FY2025 · Finish Carpentry Contractors
- ECSM ENTERPRISES, LLC — Victor · $280K · FY2025 · Finish Carpentry Contractors
- Custom Closet Creations of South Florida, LLC — Pompano Beach · $1.8M · FY2023 · Residential Remodelers
- Chicago Custom Closet Concepts Inc. — Addison · $1.2M · FY2020 · Other Services to Buildings and Dwellings
- Chicago Custom Closet Concepts Inc. — Addison · $250K · FY2020 · Other Services to Buildings and Dwellings
- Vestiarium Inc. — Indianapolis · $250K · FY2022 · Other Building Finishing Contractors
- Vestiarium Inc. — Indianapolis · $500K · FY2022 · Other Building Finishing Contractors
- The C&J Hartman Group, Incorporated — Stafford · $350K · FY2021 · Wood Kitchen Cabinet and Countertop Manufacturing
Top lenders for this brand
Most active states
- 1.Florida (3 loans)
- 2.New York (2 loans)
- 3.Illinois (2 loans)
- 4.Indiana (2 loans)
- 5.Michigan (1 loans)
- 6.California (1 loans)
- 7.Virginia (1 loans)
- 8.Maryland (1 loans)
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Common questions
How much does a Closets by Design cost to buy or open?
The typical deal for Closets by Design is $400K across 15 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.
How risky is Closets by Design?
Closets by Design has 15 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 Closets by Design with an SBA loan?
Yes — Closets by Design has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Closets by Design franchise
Most Closets by Design 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 Closets by Design deal financed for $400K, which points to about $44K of buyer cash on a typical purchase. Closets by Design is listed in the SBA Franchise Directory (identifier S0391), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Closets by Design — 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 Closets by Design — 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 Closets by Design — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Closets by Design is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 15 SBA 7(a) deals since 2020
- $400K typical deal
- 6 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0391)
- Top lenders: The Huntington National Bank, ESL FCU, Merchants Bank of Indiana
- 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 Closets by Design.