Retail & Shops · lender intelligence
Financing a tobacco stores acquisition
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.
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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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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DealRoom 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. DealRoom 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 DealRoom to introduce a lender that funds the industry — free for buyers; agents 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.