Retail & Shops · lender intelligence

How to finance a Learning Express

State:

The SBA 7(a) lenders funding the most Learning Express deals, ranked from public loan records — typical Learning Express loan about $339K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Learning Express

$339K

Typical loan

range $240K–$740K

$377K

Est. purchase price

≈ loan ÷ 90%

$50,380

Cash to close

$37,667 down + fees

$4,670/mo

Typical payment

~11% · 10yr

$64,446/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

6.82%

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 Learning Express

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

1.66 loans · $68M · Milford, IAFull record →
2.62 loans · $34M · Winter Haven, FLFull record →
3.196 loans · $21M · Boston, MAFull record →
4.1 loans · $1M · Lincoln, NEFull record →

7+ funded Learning Express 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.

Toys of Cary LLC in Cary, NC — $1.0M (2024) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
28 days
Approved
12/1/2023
First disbursed
12/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Hobby, Toy, and Game Retailers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,668
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Reigning Toys LLC in Atlanta, GA — $480K (2023) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approved
6/2/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Hobby, Toy, and Game Retailers
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Laine 48 Toys, LLC in Andover, MA — $240K (2023) · Eastern Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% fixed
Term
66 months
SBA guaranteed
$120K (50%)
Approval → funding
15 days
Approved
4/18/2023
First disbursed
5/3/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Toy and Hobby Goods and Supplies Merchant Wholesalers
Funded by Eastern Bank · Lender record →
Your business? Claim this record · Request removal
TADA Toys 2, LLC in Newtown, PA — $339K (2022) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
3.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$254K (75%)
Approval → funding
21 days
Approved
7/8/2022
First disbursed
7/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Existing or more than 2 years old
Industry
Hobby, Toy, and Game Retailers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
TADA Toys, LLC in Richboro, PA — $305K (2022) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
3.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$229K (75%)
Approval → funding
21 days
Approved
7/8/2022
First disbursed
7/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Existing or more than 2 years old
Industry
Hobby, Toy, and Game Retailers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Wheezy's Holdings, Inc. in Milton, GA — $740K (2021) · purchase · United Community Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$666K (90%)
Approval → funding
1 days
Approved
9/29/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Hobby, Toy, and Game Stores
If you were the buyer here
Est. deal size
$822K
Est. down payment (10%)
$82K
Est. cash at closing
$113K
Monthly payment
$8,123
Annual debt service
$97K
Cash flow needed (1.25×)
$122K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal
Wheezy's Holdings, Inc. in Milton, GA — $150K (2021) · purchase · United Community Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (75%)
Approval → funding
1 days
Approved
9/29/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Hobby, Toy, and Game Stores
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,665
Annual debt service
$20K
Cash flow needed (1.25×)
$25K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Learning Express? 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 Learning Express businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Learning Express 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. United Community Bank funds the most. CapBench is not a lender.

$339K typical Learning Express loan
5 lenders fund the brand
21 days typical to fund

Buyers researching a Learning Express 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 Learning Express 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/learning-express
API:: https://www.capbench.com/api/public/lenders?franchise=learning-express
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.