Retail & Shops · lender intelligence
How to finance a Style Encore
The SBA 7(a) lenders funding the most Style Encore deals, ranked from public loan records — typical Style Encore loan about $208K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Style Encore
$208K
Typical loan
range $40K–$208K
$231K
Est. purchase price
≈ loan ÷ 90%
$30,911
Cash to close
$23,111 down + fees
$3,045/mo
Typical payment
~12.5% · 10yr
$42,021/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
70 days
Typical time to fund
2
Lenders competing
more = leverage
5.75%
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 Style Encore
Ranked by funded Style Encore loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.97 loans · $96M · Raleigh, NCFull record →
- 2.16 loans · $7M · Norwich, NYFull record →
2+ funded Style Encore 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.
- RKR SE LLC in Orlando, FL — $208K (2022) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $104K (50%)
- Approval → funding
- 11 days
- Approved
- 6/17/2022
- First disbursed
- 6/28/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Used Merchandise Retailers
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- RMKG Style Encore Store LLC in Clifton Park, NY — $40K (2020) · NBT Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 70 days
- Approved
- 11/22/2019
- First disbursed
- 1/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Unanswered
- Industry
- Women's Clothing Stores
Funded by NBT Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Style Encore? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Style Encore businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Style Encore 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. First-Citizens Bank & Trust Company funds the most. CapBench is not a lender.
- $208K typical Style Encore loan
- 2 lenders fund the brand
- 70 days typical to fund
Buyers researching a Style Encore 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.