Mattress Firm, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S1090)
2 deals since 2020 · typical deal $1.5M
2
Deals since 2020
$1.5M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
Mattress Firm has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.
What buyers pay for Mattress Firm
Most Mattress Firm deals financed between $1.30M and $1.55M. Above $1.55M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $20,221
- Down payment (10%)
- $172K
- Cash to close (all-in)
- $236K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$236K)
Experience
Recent financings
- J&D Holding Company, LLC in Las Cruces, NM — $1.3M (2023) · Sunflower Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.54% fixed
- Term