Retail & Shops · lender intelligence
Financing a used merchandise stores acquisition
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.
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 →
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- 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 →
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- 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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DealRoom 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. DealRoom 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 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.