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DealRoom is not a lender, bank, broker-dealer, CPA firm, law firm, or SBA representative, and does not make credit decisions. “SBA-ready” and “SBA pre-screened” labels mean a listing has been reviewed against available SBA financing factors, not that SBA or any lender has approved a loan. Final eligibility, underwriting, terms, and approval depend on the buyer, lender, full documentation, and current SBA rules.

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DealsBrowse SBA-ready deals Deal alerts Map search Become a verified buyer

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LendersFind an SBA lender Biggest SBA lenders Lender failure rates Complete lender directory For lenders

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Rent-A-Center SBA Intelligence: Real Cost, Rates & Failure Rate | DealRoom

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Rent-A-Center, 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 S1421)

3 deals since 2020 · typical deal $2.6M

Deals since 2020

$2.6M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Rent-A-Center has 3 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 Rent-A-Center

Most Rent-A-Center deals financed between $66K and $2.66M. Above $2.66M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.58M

Monthly payment (10-yr): $33,673
Down payment (10%): $286K
Cash to close (all-in): $395K

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 ~$395K)

Experience

Recent financings

Rent Time in Vista, CA — $2.7M (2020) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term

120 mo (10 yrs)

SBA guaranteed

$2.0M (75%)

Approved

11/20/2019

Loan status

Cancelled

Loan type

Term loan

Collateral

Required

Business type

Corporation

Jobs supported

Business age

Existing or more than 2 years old

Industry

Consumer Electronics and Appliances Rental

Funded by BayFirst National Bank · Lender record →

Your business? Claim this record · Request removal

DML Temps LLC in Meriden, CT — $2.6M (2020) · purchase · Meridian Bank

Program: Preferred Lenders Program
Rate at approval: 5.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.9M (75%)
Approved: 4/24/2020
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 42
Business age: Change of Ownership
Industry: Professional Employer Organizations

If you were the buyer here

Est. deal size: $2.9M
Est. down payment (10%): $286K
Est. cash at closing: $395K
Monthly payment: $27,946
Annual debt service: $335K
Cash flow needed (1.25×): $419K

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 Meridian Bank · Lender record →

Your business? Claim this record · Request removal

Rent Time in Vista, CA — $66K (2020) · U.S. Bank, National Association

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 7.49% fixed
Term: 60 mo (5 yrs)
SBA guaranteed: $33K (50%)
Approved: 10/30/2019
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 49
Business age: Existing or more than 2 years old
Industry: Consumer Electronics and Appliances Rental

Funded by U.S. Bank, National Association · Lender record →

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Serious about buying a Rent-A-Center?

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Who funds Rent-A-Center — and where

Every dot is a financed Rent-A-Center — 3 mapped.

Top lenders for this brand

1.Meridian Bank(1)
2.U.S. Bank, National Association(1)
3.BayFirst National Bank(1)

Most active states

1.California (2 loans)
2.Connecticut (1 loans)

Represent Rent-A-Center?

Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.

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Insider move

Start with the lenders above — a bank that's funded Rent-A-Center 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Rent-A-Center lending specialist.

Common questions

How much does a Rent-A-Center cost to buy or open?

The typical deal for Rent-A-Center is $2.6M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $283K of buyer cash on a typical deal.

How risky is Rent-A-Center?

Rent-A-Center has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Rent-A-Center with an SBA loan?

Yes — Rent-A-Center has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

AI summary

This profile summarizes public SBA financing activity for Rent-A-Center — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via DealRoom.so SBA Intelligence. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

Still have questions about buying a Rent-A-Center?

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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Rent-A-Center.