Furniture Medic, 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 S0685)
3 deals since 2020 · typical deal $250K
3
Deals since 2020
$250K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Furniture Medic
Most Furniture Medic deals financed between $177K and $1.57M. Above $1.57M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,696
- Down payment (10%)
- $28K
- Cash to close (all-in)
- $37K
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 ~$37K)
Experience
Recent financings
- Cozmo Lewis Bespoke LLC in Cedar Park, TX — $177K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $133K (75%)
- Approval → funding
- 5 days
- Approved
- 10/27/2023
- First disbursed
- 11/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Reupholstery and Furniture Repair
Funded by First Commonwealth Bank · Lender record →
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- FMOC, Inc. in San Leandro, CA — $1.6M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 49 days
- Approved
- 8/12/2022
- First disbursed
- 9/30/2022
- Loan status
- Paid in full (10/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Reupholstery and Furniture Repair
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $175K
- Est. cash at closing
- $240K
- Monthly payment
- $17,884
- Annual debt service
- $215K
- Cash flow needed (1.25×)
- $268K
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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- FMOC, Inc. in San Leandro, CA — $250K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 49 days
- Approved
- 8/12/2022
- First disbursed
- 9/30/2022
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Reupholstery and Furniture Repair
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $2,968
- Annual debt service
- $36K
- Cash flow needed (1.25×)
- $45K
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 Furniture Medic — and where
Every dot is a financed Furniture Medic — 3 mapped.
Financed Furniture Medic locations — list all 3 as text
- FMOC, Inc. — San Leandro · $250K · FY2022 · Reupholstery and Furniture Repair
- FMOC, Inc. — San Leandro · $1.6M · FY2022 · Reupholstery and Furniture Repair
- Cozmo Lewis Bespoke LLC — Cedar Park · $177K · FY2024 · Reupholstery and Furniture Repair
Top lenders for this brand
Most active states
- 1.California (2 loans)
- 2.Texas (1 loans)
Represent Furniture Medic?
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Common questions
How much does a Furniture Medic cost to buy or open?
The typical deal for Furniture Medic is $250K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.
How risky is Furniture Medic?
Furniture Medic has 3 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 Furniture Medic with an SBA loan?
Yes — Furniture Medic 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 Furniture Medic franchise
Most Furniture Medic 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 Furniture Medic deal financed for $250K, which points to about $28K of buyer cash on a typical purchase. Furniture Medic is listed in the SBA Franchise Directory (identifier S0685), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Furniture Medic — 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 Furniture Medic — 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 Furniture Medic — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Furniture Medic is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $250K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0685)
- Top lenders: Live Oak Banking Company, First Commonwealth Bank
- 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 Furniture Medic.