Retail & Shops · lender intelligence
How to finance a Closet Factory
The SBA 7(a) lenders funding the most Closet Factory deals, ranked from public loan records — typical Closet Factory loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with Closet Factory
Ranked by funded Closet Factory loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.105 loans · $164M · Brookline, MAFull record →
- 3.116 loans · $120M · Evansville, INFull record →
- 4.31 loans · $13M · Louisville, KYFull record →
- 5.23 loans · $25M · Chicago, ILFull record →
- 6.24 loans · $21M · Raleigh, NCFull record →
- 7.1,322 loans · $185M · Wilmington, DEFull record →
- 8.318 loans · $229M · Osage Beach, MOFull record →
19+ funded Closet Factory 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.
- CRAFTED ROOMS LLC in Austin, TX — $825K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $619K (75%)
- Approval → funding
- 6 days
- Approved
- 3/26/2025
- First disbursed
- 4/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Other Building Finishing Contractors
If you were the buyer here
- Est. deal size
- $917K
- Est. down payment (10%)
- $92K
- Est. cash at closing
- $126K
- Monthly payment
- $10,451
- Annual debt service
- $125K
- Cash flow needed (1.25×)
- $157K
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 Live Oak Banking Company · Lender record →
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- AgBa Investments Limited in San Antonio, TX — $300K (2025) · North State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 10 days
- Approved
- 11/5/2024
- First disbursed
- 11/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Building Finishing Contractors
Funded by North State Bank · Lender record →
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- CRAFTED ROOMS LLC in Austin, TX — $300K (2025) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approval → funding
- 203 days
- Approved
- 3/25/2025
- First disbursed
- 10/14/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Other Building Finishing Contractors
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,882
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $58K
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 Live Oak Banking Company · Lender record →
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- Closet Factory of Wisconsin LLC in Waukesha, WI — $382K (2024) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $286K (75%)
- Approval → funding
- 92 days
- Approved
- 4/23/2024
- First disbursed
- 7/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
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- Closet Factory of Wisconsin LLC in Waukesha, WI — $75K (2024) · Old National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approval → funding
- 92 days
- Approved
- 4/23/2024
- First disbursed
- 7/24/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
Funded by Old National Bank · Lender record →
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- Heart Five Holdings, LLC in Fenton, MO — $2.8M (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 0 days
- Approved
- 2/22/2023
- First disbursed
- 2/22/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
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- AJMJ Enterprises LLC in Omaha, NE — $726K (2023) · purchase · Equitable Bank
- Program
- 7a General
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $545K (75%)
- Approval → funding
- 2 days
- Approved
- 7/17/2023
- First disbursed
- 7/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- All Other Specialty Trade Contractors
If you were the buyer here
- Est. deal size
- $807K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $111K
- Monthly payment
- $8,905
- Annual debt service
- $107K
- Cash flow needed (1.25×)
- $134K
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 Equitable Bank
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- Heart Five Holdings, LLC in Fenton, MO — $100K (2023) · Wells Fargo Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 0 days
- Approved
- 2/22/2023
- First disbursed
- 2/22/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Wood Product Manufacturing
Funded by Wells Fargo Bank National Association · Lender record →
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- GDJ Interests Inc. in Houston, TX — $2.8M (2022) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 6 days
- Approved
- 1/19/2022
- First disbursed
- 1/25/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Change of Ownership
- Industry
- All Other Home Furnishings Stores
If you were the buyer here
- Est. deal size
- $3.1M
- Est. down payment (10%)
- $310K
- Est. cash at closing
- $428K
- Monthly payment
- $30,257
- Annual debt service
- $363K
- Cash flow needed (1.25×)
- $454K
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 Bank of the Lake · Lender record →
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- Closet Factory Columbia in Lexington, SC — $1.5M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 15 days
- Approved
- 3/30/2022
- First disbursed
- 4/14/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $163K
- Est. cash at closing
- $223K
- Monthly payment
- $11,888
- Annual debt service
- $143K
- Cash flow needed (1.25×)
- $178K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Flores Acquisitions, Inc, in Jacksonville, FL — $750K (2022) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $563K (75%)
- Approval → funding
- 17 days
- Approved
- 2/1/2022
- First disbursed
- 2/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Home Furnishings Stores
Funded by Beacon Bank and Trust · Lender record →
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- Monarch Designs, Inc. in Corona, CA — $700K (2022) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 124 months
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 18 days
- Approved
- 5/6/2022
- First disbursed
- 5/24/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 42
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Home Furnishings Retailers
Funded by Beacon Bank and Trust · Lender record →
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- Closet Factory Columbia in Lexington, SC — $100K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 15 days
- Approved
- 3/30/2022
- First disbursed
- 4/14/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Wood Kitchen Cabinet and Countertop Manufacturing
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,073
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- We Organize You Too LLC in Apex, NC — $2.4M (2021) · purchase · CIBC Bank USA
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.2M (90%)
- Approval → funding
- 15 days
- Approved
- 8/4/2021
- First disbursed
- 8/19/2021
- Loan status
- Paid in full (2/28/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- All Other Home Furnishings Stores
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $268K
- Est. cash at closing
- $370K
- Monthly payment
- $15,560
- Annual debt service
- $187K
- Cash flow needed (1.25×)
- $233K
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 CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
- The Weldon Group LLC in Louisville, KY — $539K (2021) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $269K (50%)
- Approval → funding
- 2 days
- Approved
- 6/28/2021
- First disbursed
- 6/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- All Other Miscellaneous Manufacturing
If you were the buyer here
- Est. deal size
- $599K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $5,781
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $87K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- R.P. Williams & Company Inc. in Plymouth, MN — $500K (2021) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (90%)
- Approval → funding
- 4 days
- Approved
- 5/27/2021
- First disbursed
- 5/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Home Furnishings Stores
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- The Weldon Group LLC in Louisville, KY — $100K (2021) · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 3.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (75%)
- Approval → funding
- 2 days
- Approved
- 6/28/2021
- First disbursed
- 6/30/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Manufacturing
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- We Organize You Too LLC in Apex, NC — $75K (2021) · CIBC Bank USA
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $56K (75%)
- Approval → funding
- 48 days
- Approved
- 8/4/2021
- First disbursed
- 9/21/2021
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- All Other Home Furnishings Stores
Funded by CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
- Kirchner Enterprises, Inc. in Fanwood, NJ — $150K (2020) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 3/13/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Unanswered
- Industry
- Other Building Finishing Contractors
Funded by TD Bank, National Association · Lender record →
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Buying a Closet Factory? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to Closet Factory businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Closet Factory purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. DealRoom is not a lender.
- $500K typical Closet Factory loan
- 10 lenders fund the brand
- 15 days typical to fund
Buyers researching a Closet Factory typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.