Retail & Shops · lender intelligence

Financing a used merchandise stores acquisition

State:

The SBA 7(a) lenders funding the most used merchandise stores acquisitions, ranked from public loan records — typical deal about $343K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance used merchandise stores

$418K

Typical loan

range $372K–$465K

$464K

Est. purchase price

≈ loan ÷ 90%

$62,060

Cash to close

$46,400 down + fees

$5,404/mo

Typical payment

~9.5% · 10yr

$74,575/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

8 days

Typical time to fund

Lenders competing

more = leverage

5.5%

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 used merchandise stores

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

1.1 loans · $1M · Lincoln, NEFull record →
2.78 loans · $79M · New Orleans, LAFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.242 loans · $281M · Chicago, ILFull record →
5.18 loans · $21M · Farmington Hills, MIFull record →
6.149 loans · $135M · Mukwonago, WIFull record →
7.3 loans · $1M · Saint Francis, MNFull record →
8.5 loans · $2M · Hager City, WIFull record →

9+ funded used merchandise 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.

The Brick Keep, LLC in Plymouth, WI — $465K (2022) · purchase · Hiawatha National Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$349K (75%)
Approval → funding
8 days
Approved
3/28/2022
First disbursed
4/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$517K
Est. down payment (10%)
$52K
Est. cash at closing
$69K
Monthly payment
$2,585
Annual debt service
$31K
Cash flow needed (1.25×)
$39K
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 Hiawatha National Bank · Lender record →
Your business? Claim this record · Request removal
Stylish Chic LLC in Coon Rapids, MN — $392K (2022) · purchase · Village Bank
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$294K (75%)
Approval → funding
2 days
Approved
6/22/2022
First disbursed
6/24/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$435K
Est. down payment (10%)
$44K
Est. cash at closing
$58K
Monthly payment
$4,346
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
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 Village Bank · Lender record →
Your business? Claim this record · Request removal
Atomic Biz Inc. in Garden City, ID — $1.5M (2021) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
20 days
Approved
5/10/2021
First disbursed
5/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$163K
Est. cash at closing
$224K
Monthly payment
$8,793
Annual debt service
$106K
Cash flow needed (1.25×)
$132K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
CRJ PC SAN MARCOS in San Marcos, TX — $418K (2021) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$376K (90%)
Approval → funding
5 days
Approved
2/24/2021
First disbursed
3/1/2021
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$464K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$4,429
Annual debt service
$53K
Cash flow needed (1.25×)
$66K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
DBD Together Inc in Athens, GA — $372K (2021) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$335K (90%)
Approval → funding
35 days
Approved
7/28/2021
First disbursed
9/1/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$413K
Est. down payment (10%)
$41K
Est. cash at closing
$55K
Monthly payment
$3,900
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
GUNS & GOLD PAWN, LLC in Pantego, TX — $1.1M (2020) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
255 months
SBA guaranteed
$810K (75%)
Approval → funding
7 days
Approved
9/10/2020
First disbursed
9/17/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$120K
Est. cash at closing
$165K
Monthly payment
$7,503
Annual debt service
$90K
Cash flow needed (1.25×)
$113K
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
Kidsrus LLC in Metairie, LA — $428K (2020) · purchase · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$321K (75%)
Approval → funding
21 days
Approved
8/10/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$476K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$4,752
Annual debt service
$57K
Cash flow needed (1.25×)
$71K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Hannah's Shabby Chic Antiques, LLC in La Crosse, WI — $185K (2020) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
82 months
SBA guaranteed
$139K (75%)
Approval → funding
7 days
Approved
9/23/2020
First disbursed
9/30/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$206K
Est. down payment (10%)
$21K
Est. cash at closing
$27K
Monthly payment
$2,756
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Lamb's Tail2, LLC in Armada, MI — $76K (2020) · purchase · Community Choice CU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
12 days
Approved
12/19/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Partnership
Jobs supported
3
Business age
Change of Ownership
Industry
Used Merchandise Stores
If you were the buyer here
Est. deal size
$84K
Est. down payment (10%)
$8K
Est. cash at closing
$11K
Monthly payment
$1,110
Annual debt service
$13K
Cash flow needed (1.25×)
$17K
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 Community Choice CU · 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 used merchandise stores businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a used merchandise 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. Pinnacle Bank funds the most. CapBench is not a lender.

$343K typical loan
8 lenders fund the industry
8 days typical to fund

Buyers researching a used merchandise 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/used-merchandise-stores
API:: https://www.capbench.com/api/public/lenders?industry=used-merchandise-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.