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How to finance a Uptown Cheapskate in Texas
The SBA 7(a) lenders funding the most Uptown Cheapskate deals in Texas, from public loan records — typical Uptown Cheapskate loan about $500K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Uptown Cheapskate in Texas
$563K
Typical loan
range $499K–$720K
$626K
Est. purchase price
≈ loan ÷ 90%
$83,728
Cash to close
$62,600 down + fees
$7,290/mo
Typical payment
~9.5% · 10yr
$100,602/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
9
Lenders competing
more = leverage
7.83%
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 Uptown Cheapskate in Texas
Ranked by funded Uptown Cheapskate loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
- 2.328 loans · $134M · Cleveland, OHFull record →
- 3.5 loans · $4M · Houston, TXFull record →
- 4.26 loans · $31M · Baton Rouge, LAFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.16 loans · $21M · Las Vegas, NVFull record →
- 7.36 loans · $35M · Memphis, TNFull record →
20+ funded Uptown Cheapskate in Texas 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.
- Walls Family TX Inc in Mckinney, TX — $419K (2026) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $210K (50%)
- Approval → funding
- 4 days
- Approved
- 12/1/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- UC Pearland LLC in Pearland, TX — $1.7M (2025) · b1BANK
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 129 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 32 days
- Approved
- 9/4/2025
- First disbursed
- 10/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by b1BANK · Lender record →
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- Blue Bay Holdings LLC in Little Elm, TX — $792K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.44% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $594K (75%)
- Approval → funding
- 7 days
- Approved
- 10/21/2024
- First disbursed
- 10/28/2024
- 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 Wells Fargo Bank National Association · Lender record →
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- Uptown Cheapskate Waco, LLC in Waco, TX — $732K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.65% fixed
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $549K (75%)
- Approval → funding
- 17 days
- Approved
- 4/25/2025
- First disbursed
- 5/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Wells Fargo Bank National Association · Lender record →
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- LJRG Lewis, LLC in Weatherford, TX — $720K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.09% fixed
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $540K (75%)
- Approved
- 9/24/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Wells Fargo Bank National Association · Lender record →
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- LJRG Lewis, LLC in Hudson Oaks, TX — $720K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.09% fixed
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $540K (75%)
- Approval → funding
- 12 days
- Approved
- 9/26/2025
- First disbursed
- 10/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Wells Fargo Bank National Association · Lender record →
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- UC Sustainable LLC in Katy, TX — $710K (2025) · Stellar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $533K (75%)
- Approval → funding
- 11 days
- Approved
- 8/22/2025
- First disbursed
- 9/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by Stellar Bank · Lender record →
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- UPTOWN CHEAPSKATE SPRING in Spring, TX — $500K (2025) · Meadows Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 5 days
- Approved
- 12/11/2024
- First disbursed
- 12/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by Meadows Bank · Lender record →
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- Upstyle Rockwall LLC in Rockwall, TX — $373K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.7% fixed
- Term
- 126 months
- SBA guaranteed
- $280K (75%)
- Approval → funding
- 35 days
- Approved
- 10/8/2024
- First disbursed
- 11/12/2024
- Loan status
- Paid in full (8/31/2025)
- 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 Wells Fargo Bank National Association · Lender record →
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- KTST Ventures II LLC in Oak Ridge North, TX — $660K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $495K (75%)
- Approval → funding
- 17 days
- Approved
- 8/26/2024
- First disbursed
- 9/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Citizens Bank · Lender record →
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- FRISCO TX-UC,LLC in Frisco, TX — $706K (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $530K (75%)
- Approval → funding
- 15 days
- Approved
- 4/4/2023
- First disbursed
- 4/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Wells Fargo Bank National Association · Lender record →
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- Team Long Threads LLC in Fort Worth, TX — $563K (2023) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $423K (75%)
- Approval → funding
- 128 days
- Approved
- 5/22/2023
- First disbursed
- 9/27/2023
- 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 KeyBank National Association · Lender record →
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- UC University Park, LLC in Dallas, TX — $905K (2022) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $679K (75%)
- Approval → funding
- 2 days
- Approved
- 7/27/2022
- First disbursed
- 7/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Used Merchandise Retailers
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $101K
- Est. cash at closing
- $138K
- Monthly payment
- $10,743
- Annual debt service
- $129K
- Cash flow needed (1.25×)
- $161K
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 →
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- Uptown Cheapskate Burleson LLC in Burleson, TX — $502K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 129 months
- SBA guaranteed
- $376K (75%)
- Approval → funding
- 41 days
- Approved
- 5/19/2022
- First disbursed
- 6/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- New Business or 2 years or less
- Industry
- Used Merchandise Retailers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- KTST Ventures LLC in Cypress, TX — $499K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 20 days
- Approved
- 5/18/2022
- First disbursed
- 6/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Citizens Bank · Lender record →
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- Upstyle LLC in Wylie, TX — $557K (2021) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 126 months
- SBA guaranteed
- $502K (90%)
- Approval → funding
- 24 days
- Approved
- 7/7/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Stores
Funded by KeyBank National Association · Lender record →
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- S. Leigh Treasures, LLC in Addison, TX — $525K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 31 days
- Approved
- 10/30/2020
- First disbursed
- 11/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Other Clothing Stores
Funded by Citizens Bank · Lender record →
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- Uptown Fashion Trends, LLC in Queen City, TX — $425K (2021) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.45% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $382K (90%)
- Approval → funding
- 2 days
- Approved
- 3/9/2021
- First disbursed
- 3/11/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing Accessories Stores
Funded by Wells Fargo Bank National Association · Lender record →
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- Upstyle LLC in Wylie, TX — $117K (2021) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $88K (75%)
- Approval → funding
- 24 days
- Approved
- 7/7/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (3/31/2022)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Stores
Funded by KeyBank National Association · Lender record →
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- Uptown Cheapskate Denton, LLC in Denton, TX — $345K (2020) · First Horizon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 126 months
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 20 days
- Approved
- 12/11/2019
- First disbursed
- 12/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Women's Clothing Stores
Funded by First Horizon Bank · Lender record →
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Buying a Uptown Cheapskate in Texas? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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 Uptown Cheapskate loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Uptown Cheapskate purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. Citizens Bank funds the most here. CapBench is not a lender.
- $500K typical Uptown Cheapskate loan
- 9 lenders active in Texas
- 20+ funded Texas deals
- 17 days typical to fund
Buyers buying a Uptown Cheapskate in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- 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.