Retail & Shops · lender intelligence

How to finance a Floor to Ceiling

State:

The SBA 7(a) lenders funding the most Floor to Ceiling deals, ranked from public loan records — typical Floor to Ceiling 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 Floor to Ceiling

$500K

Typical loan

range $250K–$1.36M

$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

10 days

Typical time to fund

Lenders competing

more = leverage

6.15%

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 Floor to Ceiling

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

1.46 loans · $27M · Sartell, MNFull record →
2.5 loans · $3M · Cold Spring, MNFull record →

5+ funded Floor to Ceiling 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.

Floor to Ceiling of Willmar, LLC in Willmar, MN — $1.4M (2024) · purchase · Granite Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
20 days
Approved
10/10/2023
First disbursed
10/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Paint and Wallpaper Retailers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$213K
Monthly payment
$16,801
Annual debt service
$202K
Cash flow needed (1.25×)
$252K
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 Granite Bank · Lender record →
Your business? Claim this record · Request removal
Floor to Ceiling of Willmar, LLC in Willmar, MN — $500K (2023) · purchase · Granite Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
10 days
Approved
9/30/2023
First disbursed
10/10/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Paint and Wallpaper Retailers
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,066
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 Granite Bank · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $250K (2022) · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
5 days
Approved
5/12/2022
First disbursed
5/17/2022
Loan status
Paid in full (4/30/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Floor Covering Stores
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $33K (2022) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (75%)
Approval → funding
5 days
Approved
1/7/2022
First disbursed
1/12/2022
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Floor Covering Stores
If you were the buyer here
Est. deal size
$37K
Est. down payment (10%)
$4K
Est. cash at closing
$5K
Monthly payment
$350
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
HARPOR-KREE LLC in Saint Joseph, MN — $1.4M (2021) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
72 days
Approved
9/29/2021
First disbursed
12/10/2021
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Floor Covering Stores
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$151K
Est. cash at closing
$207K
Monthly payment
$14,238
Annual debt service
$171K
Cash flow needed (1.25×)
$214K
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 BankVista · Lender record →
Your business? Claim this record · Request removal

Buying a Floor to Ceiling? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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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.

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

Agent summary

How to finance a Floor to Ceiling 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. BankVista funds the most. CapBench is not a lender.

$500K typical Floor to Ceiling loan
2 lenders fund the brand
10 days typical to fund

Buyers researching a Floor to Ceiling 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 Floor to Ceiling 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/floor-to-ceiling
API:: https://www.capbench.com/api/public/lenders?franchise=floor-to-ceiling
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.