Floor to Ceiling, 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 S3997)

5 deals since 2020 · typical deal $500K

Deals since 2020

$500K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Floor to Ceiling has 5 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Floor to Ceiling

Most Floor to Ceiling deals financed between $250K and $1.36M. Above $1.36M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$500K

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

Floor to Ceiling of Willmar, LLC in Willmar, MN — $1.4M (2024) · purchase · Granite Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
20 days
Approved
10/10/2023
First disbursed
10/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Paint and Wallpaper Retailers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$213K
Monthly payment
$16,801
Annual debt service
$202K
Cash flow needed (1.25×)
$252K
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 Granite Bank · Lender record →
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Floor to Ceiling of Willmar, LLC in Willmar, MN — $500K (2023) · purchase · Granite Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
10 days
Approved
9/30/2023
First disbursed
10/10/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Paint and Wallpaper Retailers
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,066
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 Granite Bank · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $250K (2022) · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
5 days
Approved
5/12/2022
First disbursed
5/17/2022
Loan status
Paid in full (4/30/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Floor Covering Stores
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $33K (2022) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (75%)
Approval → funding
5 days
Approved
1/7/2022
First disbursed
1/12/2022
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Floor Covering Stores
If you were the buyer here
Est. deal size
$37K
Est. down payment (10%)
$4K
Est. cash at closing
$5K
Monthly payment
$350
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $1.4M (2021) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
72 days
Approved
9/29/2021
First disbursed
12/10/2021
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Floor Covering Stores
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$151K
Est. cash at closing
$207K
Monthly payment
$14,238
Annual debt service
$171K
Cash flow needed (1.25×)
$214K
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 BankVista · Lender record →
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Who funds Floor to Ceiling — and where

Every dot is a financed Floor to Ceiling — 5 mapped.

Financed Floor to Ceiling locations — list all 5 as text

HARPOR-KREE LLC — Saint Joseph · $250K · FY2022 · Floor Covering Stores
Floor to Ceiling of Willmar, LLC — Willmar · $500K · FY2023 · Paint and Wallpaper Retailers
Floor to Ceiling of Willmar, LLC — Willmar · $1.4M · FY2024 · Paint and Wallpaper Retailers
HARPOR-KREE LLC — Saint Joseph · $33K · FY2022 · Floor Covering Stores
HARPOR-KREE LLC — Saint Joseph · $1.4M · FY2021 · Floor Covering Stores

Top lenders for this brand

Most active states

1.Minnesota (5 loans)

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Insider move

Start with the lenders above — a bank that's funded Floor to Ceiling 3 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Floor to Ceiling lending specialist.

Common questions

How much does a Floor to Ceiling cost to buy or open?

The typical deal for Floor to Ceiling is $500K across 5 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 Floor to Ceiling?

Floor to Ceiling has 5 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 Floor to Ceiling with an SBA loan?

Yes — Floor to Ceiling has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Floor to Ceiling franchise

Most Floor to Ceiling 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 Floor to Ceiling deal financed for $500K, which points to about $55K of buyer cash on a typical purchase. Floor to Ceiling is listed in the SBA Franchise Directory (identifier S3997), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Floor to Ceiling — 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 Floor to Ceiling — 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 Floor to Ceiling — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Floor to Ceiling is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$500K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S3997)
Top lenders: BankVista, Granite Bank

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/floor-to-ceiling
API:: https://www.capbench.com/api/public/franchises/floor-to-ceiling
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 Floor to Ceiling.