Retail & Shops · lender intelligence
How to finance a Once Upon A Child
The SBA 7(a) lenders funding the most Once Upon A Child deals, ranked from public loan records — typical Once Upon A Child loan about $345K, 0% failure rate across 71 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Once Upon A Child
$345K
Typical loan
range $234K–$428K
$383K
Est. purchase price
≈ loan ÷ 90%
$51,212
Cash to close
$38,289 down + fees
$4,747/mo
Typical payment
~11% · 10yr
$65,509/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
25 days
Typical time to fund
40
Lenders competing
more = leverage
8.82%
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 Once Upon A Child
Ranked by funded Once Upon A Child 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 →
- 2.318 loans · $229M · Osage Beach, MOFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.9 loans · $6M · Omaha, NEFull record →
- 6.6 loans · $6M · Wellsville, MOFull record →
- 7.72 loans · $30M · Oconomowoc, WIFull record →
- 8.104 loans · $100M · Portsmouth, VAFull record →
- 9.149 loans · $135M · Mukwonago, WIFull record →
- 10.54 loans · $22M · Chubbuck, IDFull record →
- 11.116 loans · $120M · Evansville, INFull record →
- 12.112 loans · $112M · Irving, TXFull record →
- 13.1 loans · $0M · St. Louis, MOFull record →
- 14.1 loans · $1M · Sun Prairie, WIFull record →
- 15.46 loans · $25M · Richland, WAFull record →
- 16.5 loans · $3M · Sacramento, CAFull record →
- 17.26 loans · $22M · Foley, MNFull record →
- 18.15 loans · $14M · Oakdale, MNFull record →
- 19.2 loans · $1M · Artesia, NMFull record →
- 20.70 loans · $22M · Melrose, MNFull record →
- 21.62 loans · $34M · Winter Haven, FLFull record →
- 22.11 loans · $8M · Redwood Falls, MNFull record →
- 23.78 loans · $79M · New Orleans, LAFull record →
- 24.168 loans · $205M · Fishers, INFull record →
- 25.868 loans · $362M · Salt Lake City, UTFull record →
71+ funded Once Upon A Child 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.
- Hartley Retail Ventures LLC in Amarillo, TX — $640K (2026) · purchase · Western Bank
- Program
- 7a General
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $480K (75%)
- Approval → funding
- 9 days
- Approved
- 2/18/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Change of Ownership
- Industry
- Clothing and Clothing Accessories Retailers
If you were the buyer here
- Est. deal size
- $711K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $95K
- Monthly payment
- $7,681
- Annual debt service
- $92K
- Cash flow needed (1.25×)
- $115K
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 Western Bank · Lender record →
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- Blessed & Dressed LLC in Manassas, VA — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 72 days
- Approved
- 12/15/2025
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Live Oak Banking Company · Lender record →
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- KRIM DE LA KIDZ, LLC in Branson, MO — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/19/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Merchant Wholesalers
Funded by Live Oak Banking Company · Lender record →
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- Little Loop LLC in North Attleboro, MA — $200K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 36 days
- Approved
- 11/17/2025
- First disbursed
- 12/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Live Oak Banking Company · Lender record →
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- K&F Retail Management LLC in Baton Rouge, LA — $1.0M (2025) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $783K (75%)
- Approval → funding
- 8 days
- Approved
- 10/10/2024
- First disbursed
- 10/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Used Merchandise Retailers
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $116K
- Est. cash at closing
- $159K
- Monthly payment
- $14,230
- Annual debt service
- $171K
- Cash flow needed (1.25×)
- $213K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Clothing Resale, LLC in Diberville, MS — $680K (2025) · purchase · Southern Bancorp Bank
- Program
- 7a General
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $510K (75%)
- Approval → funding
- 71 days
- Approved
- 12/18/2024
- First disbursed
- 2/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Change of Ownership
- Industry
- Clothing and Clothing Accessories Retailers
If you were the buyer here
- Est. deal size
- $756K
- Est. down payment (10%)
- $76K
- Est. cash at closing
- $101K
- Monthly payment
- $8,340
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 Southern Bancorp Bank · Lender record →
Your business? Claim this record · Request removal
- ONCE UPON A CHILD in Bailey, NC — $568K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $426K (75%)
- Approval → funding
- 61 days
- Approved
- 5/29/2025
- First disbursed
- 7/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by First Bank of the Lake · Lender record →
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- Uber Management Inc in Greensburg, PA — $428K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $321K (75%)
- Approval → funding
- 59 days
- Approved
- 5/30/2025
- First disbursed
- 7/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by Magnifi Financial CU · Lender record →
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- Spring Frog LLC in Sumter, SC — $427K (2025) · Platinum Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 125 months
- SBA guaranteed
- $320K (75%)
- Approval → funding
- 13 days
- Approved
- 9/26/2025
- First disbursed
- 10/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by Platinum Bank · Lender record →
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- Once Upon a Child in Greendale, WI — $407K (2025) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $305K (75%)
- Approval → funding
- 74 days
- Approved
- 12/20/2024
- First disbursed
- 3/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Bank Five Nine · Lender record →
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- Grafted Branches, LLC in Cartersville, GA — $400K (2025) · River City Bank
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 66 days
- Approved
- 8/5/2025
- First disbursed
- 10/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by River City Bank · Lender record →
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- Maramba Family, Inc. in Vancouver, WA — $377K (2025) · purchase · Gesa CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $283K (75%)
- Approval → funding
- 17 days
- Approved
- 7/28/2025
- First disbursed
- 8/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- All Other Personal Services
If you were the buyer here
- Est. deal size
- $419K
- Est. down payment (10%)
- $42K
- Est. cash at closing
- $56K
- Monthly payment
- $4,930
- Annual debt service
- $59K
- Cash flow needed (1.25×)
- $74K
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 Gesa CU · Lender record →
Your business? Claim this record · Request removal
- Once Upon A Child in Seekonk, MA — $373K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 129 months
- SBA guaranteed
- $280K (75%)
- Approval → funding
- 90 days
- Approved
- 1/28/2025
- First disbursed
- 4/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Once Upon A Child Schaumburg in Schaumburg, IL — $350K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 13 days
- Approved
- 7/25/2025
- First disbursed
- 8/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Forage Retail LLC in Blaine, MN — $339K (2025) · Falcon National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $254K (75%)
- Approval → funding
- 31 days
- Approved
- 8/8/2025
- First disbursed
- 9/8/2025
- 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
- Used Merchandise Retailers
Funded by Falcon National Bank · Lender record →
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- California Resale, LLC in Santa Maria, CA — $320K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approved
- 7/9/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Once Upon A Child in Vacaville, CA — $260K (2025) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 42 days
- Approved
- 12/6/2024
- First disbursed
- 1/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Used Merchandise Retailers
If you were the buyer here
- Est. deal size
- $289K
- Est. down payment (10%)
- $29K
- Est. cash at closing
- $39K
- Monthly payment
- $3,472
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $52K
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
- DMW Enterprises LLC in Spokane Valley, WA — $150K (2025) · Idaho Central CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $113K (75%)
- Approval → funding
- 15 days
- Approved
- 1/14/2025
- First disbursed
- 1/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Existing or more than 2 years old
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
- 6080 SPORTS EQUIPMENT, LLC in Saline, MI — $142K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $107K (75%)
- Approved
- 6/24/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Used Merchandise Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- CRAIG FIVE INC. in Paducah, KY — $106K (2025) · The Paducah Bank and Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% fixed
- Term
- 9 months
- SBA guaranteed
- $53K (50%)
- Approval → funding
- 1 days
- Approved
- 12/19/2024
- First disbursed
- 12/20/2024
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by The Paducah Bank and Trust Company
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Buying a Once Upon A Child? 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 Once Upon A Child businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Once Upon A Child 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.
- $345K typical Once Upon A Child loan
- 0% failure rate (FY20–23)
- 40 lenders fund the brand
- 25 days typical to fund
Buyers researching a Once Upon A Child 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 2026-06-18.
- 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.