Retail & Shops · lender intelligence

Financing a department stores acquisition

State:

The SBA 7(a) lenders funding the most department stores acquisitions, ranked from public loan records — typical deal about $246K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance department stores

$602K

Typical loan

range $335K–$841K

$669K

Est. purchase price

≈ loan ÷ 90%

$89,450

Cash to close

$66,878 down + fees

$7,788/mo

Typical payment

~9.5% · 10yr

$107,474/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

33 days

Typical time to fund

Lenders competing

more = leverage

7.21%

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 in department stores

Ranked by funded department stores acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.30 loans · $24M · Kansas City, MOFull record →
2.1 loans · $1M · Cuba, MOFull record →
3.575 loans · $220M · De Graff, OHFull record →
4.14 loans · $32M · Fort Lee, NJFull record →
5.35 loans · $10M · Meridian, MSFull record →

6+ funded department stores 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.

FORTIS GROUP LLC in New Orleans, LA — $602K (2025) · purchase · The Citizens National Bank of Meridian
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$451K (75%)
Approval → funding
33 days
Approved
9/24/2025
First disbursed
10/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$669K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$8,038
Annual debt service
$96K
Cash flow needed (1.25×)
$121K
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 The Citizens National Bank of Meridian · Lender record →
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Morffitt Property Holdings LLC in Wickenburg, AZ — $374K (2025) · purchase · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$281K (75%)
Approval → funding
38 days
Approved
9/30/2025
First disbursed
11/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$416K
Est. down payment (10%)
$42K
Est. cash at closing
$56K
Monthly payment
$2,887
Annual debt service
$35K
Cash flow needed (1.25×)
$43K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Golddust Whispers LLC in Wickenburg, AZ — $335K (2025) · purchase · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$251K (75%)
Approval → funding
38 days
Approved
9/30/2025
First disbursed
11/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$372K
Est. down payment (10%)
$37K
Est. cash at closing
$50K
Monthly payment
$4,064
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Cornerstone Trading Group Inc in Toms River, NJ — $2.5M (2022) · purchase · Cross River Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
17 days
Approved
2/18/2022
First disbursed
3/7/2022
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$277K
Est. cash at closing
$382K
Monthly payment
$27,700
Annual debt service
$332K
Cash flow needed (1.25×)
$415K
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 Cross River Bank · Lender record →
Your business? Claim this record · Request removal
Willow Park, LLC in Marietta, GA — $841K (2022) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$631K (75%)
Approval → funding
6 days
Approved
5/25/2022
First disbursed
5/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$934K
Est. down payment (10%)
$93K
Est. cash at closing
$128K
Monthly payment
$9,232
Annual debt service
$111K
Cash flow needed (1.25×)
$138K
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
HGII LLC in Magee, MS — $65K (2021) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$58K (90%)
Approval → funding
30 days
Approved
7/1/2021
First disbursed
7/31/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Department Stores
If you were the buyer here
Est. deal size
$72K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$1,228
Annual debt service
$15K
Cash flow needed (1.25×)
$18K
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to department stores businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a department stores acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. UMB Bank, National Association funds the most. CapBench is not a lender.

$246K typical loan
5 lenders fund the industry
33 days typical to fund

Buyers researching a department stores deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/industry/department-stores
API:: https://www.capbench.com/api/public/lenders?industry=department-stores
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.