Home & Trade Services · lender intelligence
How to finance a Closets by Design
The SBA 7(a) lenders funding the most Closets by Design deals, ranked from public loan records — typical Closets by Design loan about $400K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Closets by Design
$400K
Typical loan
range $280K–$1.09M
$444K
Est. purchase price
≈ loan ÷ 90%
$59,444
Cash to close
$44,444 down + fees
$5,176/mo
Typical payment
~9.5% · 10yr
$71,429/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
11
Lenders competing
more = leverage
7.32%
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 Closets by Design
Ranked by funded Closets by Design loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.52 loans · $5M · Rochester, NYFull record →
- 3.36 loans · $51M · Carmel, INFull record →
- 4.575 loans · $220M · De Graff, OHFull record →
- 5.28 loans · $25M · Fresno, CAFull record →
- 6.2 loans · $0M · Mount Olive, NCFull record →
- 7.95 loans · $67M · New York, NYFull record →
- 8.105 loans · $51M · Fitzgerald, GAFull record →
- 9.75 loans · $98M · Sioux Falls, SDFull record →
- 10.34 loans · $57M · Charlotte, NCFull record →
15+ funded Closets by Design 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.
- Coffey Companies LLC in Woodlawn, MD — $855K (2026) · Grasshopper Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $641K (75%)
- Approved
- 1/9/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by Grasshopper Bank National Association · Lender record →
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- 1314 LLC in Norfolk, VA — $350K (2026) · Southern Bank and Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 129 months
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 29 days
- Approved
- 12/11/2025
- First disbursed
- 1/9/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Southern Bank and Trust Company · Lender record →
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- Custom Closet Creations of South Florida, LLC in Pompano Beach, FL — $1.6M (2025) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.68% fixed
- Term
- 101 months
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 29 days
- Approved
- 7/21/2025
- First disbursed
- 8/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Other Building Finishing Contractors
Funded by Bank of America, National Association · Lender record →
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- Tallahassee Closets LLC in Tallahassee, FL — $400K (2025) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 190 days
- Approved
- 3/24/2025
- First disbursed
- 9/30/2025
- 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
- Residential Remodelers
Funded by Colony Bank · Lender record →
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- ECSM ENTERPRISES, LLC in Victor, NY — $391K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $293K (75%)
- Approval → funding
- 39 days
- Approved
- 1/24/2025
- First disbursed
- 3/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- ECSM ENTERPRISES, LLC in Victor, NY — $280K (2025) · ESL FCU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $140K (50%)
- Approval → funding
- 20 days
- Approved
- 1/24/2025
- First disbursed
- 2/13/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Finish Carpentry Contractors
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- Custom Closet Creations of South Florida, LLC in Pompano Beach, FL — $1.8M (2023) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 12 days
- Approved
- 7/19/2023
- First disbursed
- 7/31/2023
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Residential Remodelers
Funded by Truist Bank · Lender record →
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- BRANDT INDUSTRIES LLC in Fresno, CA — $1.1M (2023) · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $815K (75%)
- Approval → funding
- 23 days
- Approved
- 1/17/2023
- First disbursed
- 2/9/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Interior Design Services
Funded by FFB Bank · Lender record →
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- Vestiarium Inc. in Indianapolis, IN — $500K (2022) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 9 days
- Approved
- 12/14/2021
- First disbursed
- 12/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by Merchants Bank of Indiana · Lender record →
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- Vestiarium Inc. in Indianapolis, IN — $250K (2022) · Merchants Bank of Indiana
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 2.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approved
- 12/14/2021
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by Merchants Bank of Indiana · Lender record →
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- Milocer LLC in Bethel, CT — $413K (2021) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $310K (75%)
- Approval → funding
- 77 days
- Approved
- 10/20/2020
- First disbursed
- 1/5/2021
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by The Bancorp Bank National Association · Lender record →
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- The C&J Hartman Group, Incorporated in Stafford, TX — $350K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 18 days
- Approved
- 8/6/2021
- First disbursed
- 8/24/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JBIRD ENTERPRISES, INC. in Grand Rapids, MI — $100K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (90%)
- Approval → funding
- 2 days
- Approved
- 3/1/2021
- First disbursed
- 3/3/2021
- Loan status
- Paid in full (2/29/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Chicago Custom Closet Concepts Inc. in Addison, IL — $1.2M (2020) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $937K (75%)
- Approval → funding
- 32 days
- Approved
- 2/28/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (7/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Other Services to Buildings and Dwellings
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $139K
- Est. cash at closing
- $190K
- Monthly payment
- $14,344
- Annual debt service
- $172K
- Cash flow needed (1.25×)
- $215K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Chicago Custom Closet Concepts Inc. in Addison, IL — $250K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approved
- 2/28/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Closets by Design? 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 Closets by Design businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Closets by Design 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $400K typical Closets by Design loan
- 11 lenders fund the brand
- 29 days typical to fund
Buyers researching a Closets by Design 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.
- 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.