Sea Love, 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 S7446)
4 deals since 2020 · typical deal $181K
4
Deals since 2020
$181K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Sea Love
Most Sea Love deals financed between $150K and $224K. Above $224K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,674
- Down payment (10%)
- $20K
- Cash to close (all-in)
- $27K
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 ~$27K)
Experience
Recent financings
- Sea Love in Hilton Head Island, SC — $148K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $118K (80%)
- Approval → funding
- 52 days
- Approved
- 9/29/2025
- First disbursed
- 11/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Department Stores
Funded by Readycap Lending, LLC · Lender record →
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- Sea Love in Liberty Township, OH — $224K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $168K (75%)
- Approval → funding
- 50 days
- Approved
- 7/10/2024
- First disbursed
- 8/29/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other General Merchandise Retailers
Funded by First Bank of the Lake · Lender record →
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- Tuscan Sun LLC in Louisville, KY — $181K (2024) · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% fixed
- Term
- 90 months
- SBA guaranteed
- $90K (50%)
- Approval → funding
- 78 days
- Approved
- 5/9/2024
- First disbursed
- 7/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Gift, Novelty, and Souvenir Retailers
Funded by Stock Yards Bank & Trust Company · Lender record →
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- Omnia Bella, LLC in Pittsburgh, PA — $150K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/24/2024
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Retailers
Funded by The Huntington National Bank · Lender record →
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Who funds Sea Love — and where
Every dot is a financed Sea Love — 4 mapped.
Financed Sea Love locations — list all 4 as text
- Tuscan Sun LLC — Louisville · $181K · FY2024 · Gift, Novelty, and Souvenir Retailers
- Sea Love — Liberty Township · $224K · FY2024 · All Other General Merchandise Retailers
- Sea Love — Hilton Head Island · $148K · FY2025 · Department Stores
- Omnia Bella, LLC — Pittsburgh · $150K · FY2024 · All Other Miscellaneous Retailers
Top lenders for this brand
Most active states
- 1.Kentucky (1 loans)
- 2.Ohio (1 loans)
- 3.South Carolina (1 loans)
- 4.Pennsylvania (1 loans)
Represent Sea Love?
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Common questions
How much does a Sea Love cost to buy or open?
The typical deal for Sea Love is $181K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $20K of buyer cash on a typical deal.
How risky is Sea Love?
Sea Love has 4 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 Sea Love with an SBA loan?
Yes — Sea Love has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Sea Love franchise
Most Sea Love 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 Sea Love deal financed for $181K, which points to about $20K of buyer cash on a typical purchase. Sea Love is listed in the SBA Franchise Directory (identifier S7446), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Sea Love — 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 Sea Love — 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 Sea Love — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Sea Love is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $181K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7446)
- Top lenders: Stock Yards Bank & Trust Company, First Bank of the Lake, Readycap Lending, LLC
- 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 Sea Love.