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How to finance a Up Closets

The SBA 7(a) lenders funding the most Up Closets deals, ranked from public loan records — typical Up Closets loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Up Closets

$150K

Typical loan

range $150K–$200K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

1

Lenders competing

more = leverage

9.96%

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 Up Closets

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

  1. 1.575 loans · $220M · De Graff, OHFull record →

7+ funded Up Closets 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.

  • TRUENORTH HOME SERVICES LLC dba UP CLOSETS CHICAGO NORTH in Evanston, IL — $225K (2026) · United Midwest Savings Bank National Association
  • Han Bahn LLC dba UP CLOSETS OF NORTH ATLANTA METRO in Suwanee, GA — $200K (2026) · United Midwest Savings Bank National Association
  • TXSpringUpC LLC dba Up Closets of Spring TX in Houston, TX — $200K (2026) · United Midwest Savings Bank National Association
  • Elevated Spaces Home Services Corp. dba UP CLOSETS OF DELAWARE in Middletown, DE — $150K (2026) · United Midwest Savings Bank National Association
  • Happy Space Interiors LLC dba Up Closets of Austin in Austin, TX — $150K (2026) · United Midwest Savings Bank National Association
  • EMNB Holdings LLC dba Up Closets of San Antonio in Windcrest, TX — $150K (2025) · United Midwest Savings Bank National Association
  • EMBRACE CLOSETS LLC in Land O Lakes, FL — $150K (2025) · United Midwest Savings Bank National Association

Buying a Up Closets? 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 Up Closets businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Up Closets 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 Midwest Savings Bank National Association funds the most. CapBench is not a lender.

  • $150K typical Up Closets loan
  • 1 lenders fund the brand
  • 12 days typical to fund

Buyers researching a Up Closets 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 dealTalk to a loan brokerUp Closets 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/up-closets
API:
https://www.capbench.com/api/public/lenders?franchise=up-closets
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.
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