Retail & Shops · lender intelligence

How to finance a Verlo Mattress

State:

The SBA 7(a) lenders funding the most Verlo Mattress deals, ranked from public loan records — typical Verlo Mattress loan about $603K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Verlo Mattress

$603K

Typical loan

range $150K–$695K

$670K

Est. purchase price

≈ loan ÷ 90%

$89,613

Cash to close

$67,000 down + fees

$7,803/mo

Typical payment

~9.5% · 10yr

$107,681/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

10.61%

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 Verlo Mattress

Ranked by funded Verlo Mattress 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 →
3.20 loans · $8M · Saint Petersburg, FLFull record →
4.116 loans · $120M · Evansville, INFull record →
5.13 loans · $16M · Santa Rosa, CAFull record →
6.15 loans · $15M · Houston, MOFull record →

12+ funded Verlo Mattress 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.

Verlo Mattress in Katy, TX — $774K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$581K (75%)
Approval → funding
168 days
Approved
12/11/2024
First disbursed
5/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Noble Ventures 317, LLC in Fishers, IN — $577K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$433K (75%)
Approved
5/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Mattress Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Noble Ventures 317, LLC in Fishers, IN — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/19/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Mattress Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BROUNTAS ENTERPRISES LLC in Rogers, AR — $623K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$467K (75%)
Approval → funding
6 days
Approved
8/9/2024
First disbursed
8/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
J+M Glendale, LLC in Glendale, AZ — $620K (2024) · Summit State Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$465K (75%)
Approval → funding
107 days
Approved
2/15/2024
First disbursed
6/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Retailers
Funded by Summit State Bank · Lender record →
Your business? Claim this record · Request removal
VT I, LLC in Frisco, TX — $603K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$452K (75%)
Approval → funding
36 days
Approved
8/5/2024
First disbursed
9/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Merchant Wholesalers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
VERLO MATTRESS FACTORY STORES OF GREATER SHEBOYGAN, INC. in Manitowoc, WI — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
24 days
Approved
5/7/2024
First disbursed
5/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Furniture Retailers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
BROUNTAS ENTERPRISES LLC in Rogers, AR — $50K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
49 days
Approved
8/9/2024
First disbursed
9/27/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JayCar Ventures, LLC in Houston, TX — $695K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$521K (75%)
Approval → funding
5 days
Approved
8/25/2023
First disbursed
8/30/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Mattress Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
North Shore Z's LLC in Danvers, MA — $540K (2023) · The Bank of Houston
Program
7a General
Rate at approval
11% variable
Term
123 months
SBA guaranteed
$405K (75%)
Approval → funding
27 days
Approved
6/8/2023
First disbursed
7/5/2023
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Furniture Retailers
Funded by The Bank of Houston · Lender record →
Your business? Claim this record · Request removal
JayCar Ventures, LLC in Houston, TX — $40K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approved
8/25/2023
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Mattress Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
MJH of Janesville, LLC in Janesville, WI — $1.4M (2022) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
6.34% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
9 days
Approved
6/28/2022
First disbursed
7/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Mattress Manufacturing
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$158K
Est. cash at closing
$217K
Monthly payment
$9,453
Annual debt service
$113K
Cash flow needed (1.25×)
$142K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Verlo Mattress? 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 Verlo Mattress businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Verlo Mattress 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.

$603K typical Verlo Mattress loan
6 lenders fund the brand
27 days typical to fund

Buyers researching a Verlo Mattress 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 deal Talk to a loan broker Verlo Mattress 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/verlo-mattress
API:: https://www.capbench.com/api/public/lenders?franchise=verlo-mattress
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.