Retail & Shops · lender intelligence
How to finance a Sea Love
The SBA 7(a) lenders funding the most Sea Love deals, ranked from public loan records — typical Sea Love loan about $181K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Sea Love
$181K
Typical loan
range $150K–$224K
$201K
Est. purchase price
≈ loan ÷ 90%
$26,884
Cash to close
$20,100 down + fees
$2,648/mo
Typical payment
~12.5% · 10yr
$36,542/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
52 days
Typical time to fund
4
Lenders competing
more = leverage
9.94%
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 Sea Love
Ranked by funded Sea Love loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.31 loans · $13M · Louisville, KYFull record →
- 2.318 loans · $229M · Osage Beach, MOFull record →
- 3.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 4.2,539 loans · $965M · Columbus, OHFull record →
4+ funded Sea Love 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.
- Sea Love in Hilton Head Island, SC — $148K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $118K (80%)
- Approval → funding
- 52 days
- Approved
- 9/29/2025
- First disbursed
- 11/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Department Stores
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
- Sea Love in Liberty Township, OH — $224K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $168K (75%)
- Approval → funding
- 50 days
- Approved
- 7/10/2024
- First disbursed
- 8/29/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other General Merchandise Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Tuscan Sun LLC in Louisville, KY — $181K (2024) · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% fixed
- Term
- 90 months
- SBA guaranteed
- $90K (50%)
- Approval → funding
- 78 days
- Approved
- 5/9/2024
- First disbursed
- 7/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Gift, Novelty, and Souvenir Retailers
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Omnia Bella, LLC in Pittsburgh, PA — $150K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/24/2024
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Sea Love? 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.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Sea Love businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Sea Love 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. Stock Yards Bank & Trust Company funds the most. CapBench is not a lender.
- $181K typical Sea Love loan
- 4 lenders fund the brand
- 52 days typical to fund
Buyers researching a Sea Love 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.