{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/franchise/platos-closet","type":"franchise","name":"Plato's Closet","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"code":"S1327","name":"Plato's Closet","raw_name":"Plato's Closet","slug":"platos-closet","supply_agreement":false,"summary":{"loans":22,"dollars":13663800,"median":490000,"mean":621082,"p25":379650,"p75":651750,"avg_rate":7.43,"median_term":120,"guaranty_share":0.769,"jobs":357,"franchise_loans":22,"recent_loans":5},"by_fy":[{"fy":2018,"loans":3,"dollars":865000,"median":250400},{"fy":2019,"loans":2,"dollars":927700,"median":463850},{"fy":2020,"loans":1,"dollars":750000,"median":750000},{"fy":2021,"loans":4,"dollars":1789600,"median":394800},{"fy":2022,"loans":3,"dollars":1573000,"median":513500},{"fy":2023,"loans":4,"dollars":4187000,"median":689000},{"fy":2024,"loans":0,"dollars":0,"median":null},{"fy":2025,"loans":2,"dollars":1125500,"median":562750},{"fy":2026,"loans":3,"dollars":2446000,"median":630000}],"seasoned":{"loans":10,"charged_off":0,"paid_in_full":8,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"top_states":[{"key":"TX","loans":3,"dollars":1277500,"name":"Texas","slug":"tx"},{"key":"SC","loans":2,"dollars":1578700,"name":"South Carolina","slug":"sc"},{"key":"GA","loans":2,"dollars":1031000,"name":"Georgia","slug":"ga"},{"key":"TN","loans":2,"dollars":729000,"name":"Tennessee","slug":"tn"},{"key":"NE","loans":2,"dollars":680000,"name":"Nebraska","slug":"ne"},{"key":"VA","loans":1,"dollars":2364000,"name":"Virginia","slug":"va"},{"key":"VT","loans":1,"dollars":1766000,"name":"Vermont","slug":"vt"},{"key":"CA","loans":1,"dollars":775000,"name":"California","slug":"ca"},{"key":"FL","loans":1,"dollars":603000,"name":"Florida","slug":"fl"},{"key":"MI","loans":1,"dollars":513500,"name":"Michigan","slug":"mi"}],"top_lenders":[{"key":"Pinnacle Bank","loans":5,"dollars":4732300,"name":"Pinnacle Bank","slug":"pinnacle-bank"},{"key":"Citizens Bank","loans":2,"dollars":1012100,"name":"Citizens Bank","slug":"citizens-bank"},{"key":"Union Bank and Trust Company","loans":2,"dollars":680000,"name":"Union Bank and Trust Company","slug":"union-bank-and-trust-company"},{"key":"VelocitySBA, LLC","loans":1,"dollars":1766000,"name":"VelocitySBA, LLC","slug":"velocitysba-llc"},{"key":"Live Oak Banking Company","loans":1,"dollars":775000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"First Internet Bank of Indiana","loans":1,"dollars":659000,"name":"First Internet Bank of Indiana","slug":"first-internet-bank-of-indiana"},{"key":"HomeTrust Bank","loans":1,"dollars":630000,"name":"HomeTrust Bank","slug":"hometrust-bank"},{"key":"Regions Bank","loans":1,"dollars":603000,"name":"Regions Bank","slug":"regions-bank"},{"key":"The Huntington National Bank","loans":1,"dollars":513500,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Old National Bank","loans":1,"dollars":466500,"name":"Old National Bank","slug":"old-national-bank"}],"top_industries":[{"key":"458110","loans":12,"dollars":7634600,"name":"Clothing and Clothing Accessories Retailers","slug":"clothing-and-clothing-accessories-retailers-458110"},{"key":"459510","loans":9,"dollars":5515700,"name":"Used Merchandise Retailers","slug":"used-merchandise-retailers-459510"},{"key":"722511","loans":1,"dollars":513500,"name":"Full-Service Restaurants","slug":"full-service-restaurants-722511"}],"primary_naics":"458110","compare":{"entity":{"loans":22,"median":490000,"p25":379650,"p75":651750,"avg_rate":7.43,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"industry","id":"458110","loans":261,"median":341000,"p25":150000,"p75":677000,"avg_rate":7.89,"median_term":120,"chargeoff_rate":0.0351}]},"concentration":{"by":"lender","top1":0.2273,"top3":0.4091,"n3plus":1,"distinct":16},"recent":{"loans":5,"median":630000,"prior_loans":4,"change":null},"size_mix":{"lt350k":0.1818,"350k_1m":0.7273,"1m_2m":0.0455,"gt2m":0.0455},"states_count":16,"brand_share_of_industry":0.046}}