Retail & Shops · lender intelligence
How to finance a Floor to Ceiling in Minnesota
The SBA 7(a) lenders funding the most Floor to Ceiling deals in Minnesota, from public loan records — typical Floor to Ceiling loan about $500K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Floor to Ceiling in Minnesota
$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
2
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 in Minnesota
Ranked by funded Floor to Ceiling loans in Minnesota. Tap a lender for 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 in Minnesota 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 in Minnesota? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Floor to Ceiling loans with a Minnesota project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Floor to Ceiling purchase in Minnesota with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Minnesota deals. BankVista funds the most here. CapBench is not a lender.
- $500K typical Floor to Ceiling loan
- 2 lenders active in Minnesota
- 5+ funded Minnesota deals
- 10 days typical to fund
Buyers buying a Floor to Ceiling in Minnesota typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- 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.