Retail & Shops · lender intelligence

How to finance a Closet Factory

State:

The SBA 7(a) lenders funding the most Closet Factory deals, ranked from public loan records — typical Closet Factory loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Closet Factory

$500K

Typical loan

range $100K–$825K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

7.03%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Closet Factory

Ranked by funded Closet Factory loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.105 loans · $164M · Brookline, MAFull record →
3.116 loans · $120M · Evansville, INFull record →
4.31 loans · $13M · Louisville, KYFull record →
5.23 loans · $25M · Chicago, ILFull record →
6.24 loans · $21M · Raleigh, NCFull record →
7.1,322 loans · $185M · Wilmington, DEFull record →
8.318 loans · $229M · Osage Beach, MOFull record →

19+ funded Closet Factory deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

CRAFTED ROOMS LLC in Austin, TX — $825K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$619K (75%)
Approval → funding
6 days
Approved
3/26/2025
First disbursed
4/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$917K
Est. down payment (10%)
$92K
Est. cash at closing
$126K
Monthly payment
$10,451
Annual debt service
$125K
Cash flow needed (1.25×)
$157K
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 →
Your business? Claim this record · Request removal
AgBa Investments Limited in San Antonio, TX — $300K (2025) · North State Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
10 days
Approved
11/5/2024
First disbursed
11/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Other Building Finishing Contractors
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
CRAFTED ROOMS LLC in Austin, TX — $300K (2025) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (50%)
Approval → funding
203 days
Approved
3/25/2025
First disbursed
10/14/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Other Building Finishing Contractors
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,882
Annual debt service
$47K
Cash flow needed (1.25×)
$58K
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 →
Your business? Claim this record · Request removal
Closet Factory of Wisconsin LLC in Waukesha, WI — $382K (2024) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
8.6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$286K (75%)
Approval → funding
92 days
Approved
4/23/2024
First disbursed
7/24/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Closet Factory of Wisconsin LLC in Waukesha, WI — $75K (2024) · Old National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
92 days
Approved
4/23/2024
First disbursed
7/24/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Heart Five Holdings, LLC in Fenton, MO — $2.8M (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
0 days
Approved
2/22/2023
First disbursed
2/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
New Business or 2 years or less
Industry
All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
AJMJ Enterprises LLC in Omaha, NE — $726K (2023) · purchase · Equitable Bank
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$545K (75%)
Approval → funding
2 days
Approved
7/17/2023
First disbursed
7/19/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$807K
Est. down payment (10%)
$81K
Est. cash at closing
$111K
Monthly payment
$8,905
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
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 Equitable Bank
Your business? Claim this record · Request removal
Heart Five Holdings, LLC in Fenton, MO — $100K (2023) · Wells Fargo Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
0 days
Approved
2/22/2023
First disbursed
2/22/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
60
Business age
New Business or 2 years or less
Industry
All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
GDJ Interests Inc. in Houston, TX — $2.8M (2022) · purchase · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
6 days
Approved
1/19/2022
First disbursed
1/25/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Change of Ownership
Industry
All Other Home Furnishings Stores
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$310K
Est. cash at closing
$428K
Monthly payment
$30,257
Annual debt service
$363K
Cash flow needed (1.25×)
$454K
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Closet Factory Columbia in Lexington, SC — $1.5M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
192 mo (16 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
15 days
Approved
3/30/2022
First disbursed
4/14/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Wood Kitchen Cabinet and Countertop Manufacturing
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$163K
Est. cash at closing
$223K
Monthly payment
$11,888
Annual debt service
$143K
Cash flow needed (1.25×)
$178K
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 →
Your business? Claim this record · Request removal
Flores Acquisitions, Inc, in Jacksonville, FL — $750K (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$563K (75%)
Approval → funding
17 days
Approved
2/1/2022
First disbursed
2/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
36
Business age
Startup, Loan Funds will Open Business
Industry
All Other Home Furnishings Stores
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Monarch Designs, Inc. in Corona, CA — $700K (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$525K (75%)
Approval → funding
18 days
Approved
5/6/2022
First disbursed
5/24/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
42
Business age
Startup, Loan Funds will Open Business
Industry
All Other Home Furnishings Retailers
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Closet Factory Columbia in Lexington, SC — $100K (2022) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
15 days
Approved
3/30/2022
First disbursed
4/14/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Wood Kitchen Cabinet and Countertop Manufacturing
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,073
Annual debt service
$13K
Cash flow needed (1.25×)
$16K
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 →
Your business? Claim this record · Request removal
We Organize You Too LLC in Apex, NC — $2.4M (2021) · purchase · CIBC Bank USA
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.2M (90%)
Approval → funding
15 days
Approved
8/4/2021
First disbursed
8/19/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
All Other Home Furnishings Stores
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$268K
Est. cash at closing
$370K
Monthly payment
$15,560
Annual debt service
$187K
Cash flow needed (1.25×)
$233K
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 CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
The Weldon Group LLC in Louisville, KY — $539K (2021) · purchase · Stock Yards Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$269K (50%)
Approval → funding
2 days
Approved
6/28/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
All Other Miscellaneous Manufacturing
If you were the buyer here
Est. deal size
$599K
Est. down payment (10%)
$60K
Est. cash at closing
$80K
Monthly payment
$5,781
Annual debt service
$69K
Cash flow needed (1.25×)
$87K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
R.P. Williams & Company Inc. in Plymouth, MN — $500K (2021) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (90%)
Approval → funding
4 days
Approved
5/27/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
All Other Home Furnishings Stores
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
The Weldon Group LLC in Louisville, KY — $100K (2021) · Stock Yards Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (75%)
Approval → funding
2 days
Approved
6/28/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
All Other Miscellaneous Manufacturing
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
We Organize You Too LLC in Apex, NC — $75K (2021) · CIBC Bank USA
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
72 mo (6 yrs)
SBA guaranteed
$56K (75%)
Approval → funding
48 days
Approved
8/4/2021
First disbursed
9/21/2021
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
New Business or 2 years or less
Industry
All Other Home Furnishings Stores
Funded by CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
Kirchner Enterprises, Inc. in Fanwood, NJ — $150K (2020) · TD Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approved
3/13/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
50
Business age
Unanswered
Industry
Other Building Finishing Contractors
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Closet Factory? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Closet Factory businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Closet Factory purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$500K typical Closet Factory loan
10 lenders fund the brand
15 days typical to fund

Buyers researching a Closet Factory typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Closet Factory record

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/lenders/franchise/closet-factory
API:: https://www.capbench.com/api/public/lenders?franchise=closet-factory
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.