Sears Authorized Hometown Stores Agreement, 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 )

2 deals since 2020 · typical deal $65K

Deals since 2020

$65K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Sears Authorized Hometown Stores Agreement 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 Sears Authorized Hometown Stores Agreement

Most Sears Authorized Hometown Stores Agreement deals financed between $15K and $65K. Above $65K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$65K

Monthly payment (10-yr): $957
Down payment (10%): $7K
Cash to close (all-in): $9K

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 ~$9K)

Experience

Recent financings

HGII LLC in Magee, MS — $65K (2021) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$58K (90%)
Approval → funding
30 days
Approved
7/1/2021
First disbursed
7/31/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$72K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$1,228
Annual debt service
$15K
Cash flow needed (1.25×)
$18K
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 Peoples Bank · Lender record →
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A & L Lajcak, Inc. in Ashland, WI — $15K (2020) · Frandsen Bank and Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% fixed
Term
38 months
SBA guaranteed
$8K (50%)
Approval → funding
4 days
Approved
12/2/2019
First disbursed
12/6/2019
Loan status
Paid in full (1/31/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
All Other Miscellaneous Store Retailers (except Tobacco Stor
Funded by Frandsen Bank and Trust · Lender record →
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Who funds Sears Authorized Hometown Stores Agreement — and where

Every dot is a financed Sears Authorized Hometown Stores Agreement — 2 mapped.

Financed Sears Authorized Hometown Stores Agreement locations — list all 2 as text

A & L Lajcak, Inc. — Ashland · $15K · FY2020 · All Other Miscellaneous Store Retailers (except Tobacco Stor
HGII LLC — Magee · $65K · FY2021 · Department Stores

Top lenders for this brand

Most active states

1.Wisconsin (1 loans)
2.Mississippi (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Sears Authorized Hometown Stores Agreement 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 Sears Authorized Hometown Stores Agreement lending specialist.

Common questions

How much does a Sears Authorized Hometown Stores Agreement cost to buy or open?

The typical deal for Sears Authorized Hometown Stores Agreement is $65K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $7K of buyer cash on a typical deal.

How risky is Sears Authorized Hometown Stores Agreement?

Sears Authorized Hometown Stores Agreement 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 Sears Authorized Hometown Stores Agreement with an SBA loan?

Yes — Sears Authorized Hometown Stores Agreement 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 Sears Authorized Hometown Stores Agreement franchise

Most Sears Authorized Hometown Stores Agreement 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 Sears Authorized Hometown Stores Agreement deal financed for $65K, which points to about $7K of buyer cash on a typical purchase. Sears Authorized Hometown Stores Agreement is listed in the SBA Franchise Directory (identifier ), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Sears Authorized Hometown Stores Agreement — 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 Sears Authorized Hometown Stores Agreement — 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 Sears Authorized Hometown Stores Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Sears Authorized Hometown Stores Agreement 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
$65K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier )
Top lenders: Frandsen Bank and Trust, Peoples Bank

Next steps

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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/sears-authorized-hometown-stores-agreement
API:: https://www.capbench.com/api/public/franchises/sears-authorized-hometown-stores-agreement
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 Sears Authorized Hometown Stores Agreement.