Hammer and Stain, 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 S2861)

2 deals since 2020 · typical deal $74K

Deals since 2020

$74K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Hammer and Stain has 2 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 Hammer and Stain

Most Hammer and Stain deals financed between $60K and $74K. Above $74K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$74K

Monthly payment (10-yr): $1,087
Down payment (10%): $8K
Cash to close (all-in): $11K

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 ~$11K)

Experience

Recent financings

Hammer and Stain-SoCal LLC in Rancho Cucamonga, CA — $74K (2022) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$62K (85%)
Approval → funding
9 days
Approved
4/26/2022
First disbursed
5/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
All Other Miscellaneous Schools and Instruction
Funded by Readycap Lending, LLC · Lender record →
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Hammer and Stain Hot Springs, LLC in Hot Springs, AR — $60K (2020) · Arvest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.5% variable
Term
96 mo (8 yrs)
SBA guaranteed
$30K (50%)
Approval → funding
40 days
Approved
7/22/2020
First disbursed
8/31/2020
Loan status
Paid in full (10/31/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Hobby, Toy, and Game Stores
Funded by Arvest Bank · Lender record →
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Who funds Hammer and Stain — and where

Every dot is a financed Hammer and Stain — 2 mapped.

Financed Hammer and Stain locations — list all 2 as text

Hammer and Stain Hot Springs, LLC — Hot Springs · $60K · FY2020 · Hobby, Toy, and Game Stores
Hammer and Stain-SoCal LLC — Rancho Cucamonga · $74K · FY2022 · All Other Miscellaneous Schools and Instruction

Top lenders for this brand

Most active states

1.Arkansas (1 loans)
2.California (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Hammer and Stain 1 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 Hammer and Stain lending specialist.

Common questions

How much does a Hammer and Stain cost to buy or open?

The typical deal for Hammer and Stain is $74K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $8K of buyer cash on a typical deal.

How risky is Hammer and Stain?

Hammer and Stain has 2 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 Hammer and Stain with an SBA loan?

Yes — Hammer and Stain 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 Hammer and Stain franchise

Most Hammer and Stain 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 Hammer and Stain deal financed for $74K, which points to about $8K of buyer cash on a typical purchase. Hammer and Stain is listed in the SBA Franchise Directory (identifier S2861), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Hammer and Stain — 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 Hammer and Stain — 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 Hammer and Stain — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Hammer and Stain is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$74K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2861)
Top lenders: Arvest Bank, Readycap Lending, LLC

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/hammer-and-stain
API:: https://www.capbench.com/api/public/franchises/hammer-and-stain
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 Hammer and Stain.