Retail & Shops · lender intelligence

Financing a tobacco stores acquisition

State:

The SBA 7(a) lenders funding the most tobacco stores acquisitions, ranked from public loan records — typical deal about $392K. A lender doing your industry every week underwrites faster and prices sharper.

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

$385K

Typical loan

range $81K–$1.22M

$428K

Est. purchase price

≈ loan ÷ 90%

$57,216

Cash to close

$42,778 down + fees

$4,982/mo

Typical payment

~9.5% · 10yr

$68,752/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

5.55%

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 tobacco stores

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

1.9 loans · $6M · Santa Cruz, CAFull record →
2.3 loans · $1M · Fort Pierre, SDFull record →
3.23 loans · $25M · Los Angeles, CAFull record →
4.16 loans · $18M · Chicago, ILFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.25 loans · $5M · Whiting, INFull record →
7.7 loans · $1M · Mattoon, ILFull record →

7+ funded tobacco 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.

Goodfellas Fine Cigars in Decatur, IL — $81K (2022) · purchase · First Mid Bank & Trust, National Association
Program
7a General
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$69K (85%)
Approval → funding
21 days
Approved
1/20/2022
First disbursed
2/10/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$90K
Est. down payment (10%)
$9K
Est. cash at closing
$12K
Monthly payment
$869
Annual debt service
$10K
Cash flow needed (1.25×)
$13K
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 Mid Bank & Trust, National Association · Lender record →
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WW PHOENIX, LLC in Valparaiso, IN — $1.3M (2021) · purchase · Centier Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (90%)
Approval → funding
1 days
Approved
6/29/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$197K
Monthly payment
$13,894
Annual debt service
$167K
Cash flow needed (1.25×)
$208K
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 Centier Bank · Lender record →
Your business? Claim this record · Request removal
DDJR Holdings LLC in Big Rapids, MI — $568K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$511K (90%)
Approval → funding
8 days
Approved
2/20/2021
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$631K
Est. down payment (10%)
$63K
Est. cash at closing
$84K
Monthly payment
$6,164
Annual debt service
$74K
Cash flow needed (1.25×)
$92K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HV Cigars LLC in Skokie, IL — $1.2M (2020) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.34% fixed
Term
216 mo (18 yrs)
SBA guaranteed
$918K (75%)
Approval → funding
29 days
Approved
3/2/2020
First disbursed
3/31/2020
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$136K
Est. cash at closing
$187K
Monthly payment
$8,179
Annual debt service
$98K
Cash flow needed (1.25×)
$123K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
MISSION PIPE SHOP in San Jose, CA — $385K (2020) · purchase · West Coast Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$289K (75%)
Approval → funding
51 days
Approved
8/10/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$428K
Est. down payment (10%)
$43K
Est. cash at closing
$57K
Monthly payment
$4,274
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
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 West Coast Community Bank · Lender record →
Your business? Claim this record · Request removal
PT Horizon Inc. in Covington, WA — $280K (2020) · purchase · GBC International Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$210K (75%)
Approved
2/25/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$311K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$3,251
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 GBC International Bank · Lender record →
Your business? Claim this record · Request removal
Himalayan Investment, L.L.C. in Marion, IA — $61K (2020) · purchase · First National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$31K (50%)
Approval → funding
92 days
Approved
1/29/2020
First disbursed
4/30/2020
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Tobacco Stores
If you were the buyer here
Est. deal size
$68K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$1,171
Annual debt service
$14K
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 First National 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 tobacco stores businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a tobacco 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. West Coast Community Bank funds the most. CapBench is not a lender.

$392K typical loan
7 lenders fund the industry
29 days typical to fund

Buyers researching a tobacco 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 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/tobacco-stores
API:: https://www.capbench.com/api/public/lenders?industry=tobacco-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.