All Other Home Furnishings Stores: SBA business acquisition loan data
46 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Home Furnishings Stores (NAICS 442299), totaling $39.4M. Median loan $448,800, 30% lower than the all-acquisition median. 24% of these deals were franchised units.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,037,125 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #169 of 300 industries tracked.
- Geography. Florida leads with 9 loans; the top five states account for 54% of the industry's acquisitions.
- Jobs. Lenders reported 458 jobs supported across these loans, about 10.0 per acquisition, a rough proxy for the size of business changing hands.
All Other Home Furnishings Stores acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $8M | $850,000 | |
| FY2019 | 15 | $7.8M | $330,000 | |
| FY2020 | 3 | $715K | $191,000 | |
| FY2021 | 17 | $16.1M | $413,000 | |
| FY2022 | 5 | $5.8M | $568,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 1 | $996K | $995,500 |
How often do these acquisition loans fail?
Of the 40 All Other Home Furnishings Stores acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 3 have been charged off by the SBA, a rate of 7.5% by loan count and 12.5% by dollars. 14 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so All Other Home Furnishings Stores is 113% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 9 | 19.6% | $13.3M | |
| 2 | Texas | 6 | 13.0% | $8.2M | |
| 3 | Georgia | 4 | 8.7% | $2.1M | |
| 4 | California | 3 | 6.5% | $1.9M | |
| 5 | Iowa | 3 | 6.5% | $719K | |
| 6 | North Carolina | 2 | 4.3% | $3M | |
| 7 | Wisconsin | 2 | 4.3% | $2.8M | |
| 8 | Colorado | 2 | 4.3% | $1.2M | |
| 9 | Mississippi | 2 | 4.3% | $970K | |
| 10 | Nevada | 2 | 4.3% | $741K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 8.7% | $4M | |
| 2 | First Bank | 3 | 6.5% | $1.2M | |
| 3 | United Community Bank | 3 | 6.5% | $755K | |
| 4 | First Bank of the Lake | 2 | 4.3% | $6.2M | |
| 5 | Fifth Third Bank | 2 | 4.3% | $2.6M | |
| 6 | Byline Bank | 2 | 4.3% | $2M | |
| 7 | Columbia Bank | 2 | 4.3% | $1.4M | |
| 8 | Pinnacle Bank | 2 | 4.3% | $1.4M | |
| 9 | U.S. Bank, National Association | 2 | 4.3% | $524K | |
| 10 | Florida Capital Bank, National Association | 1 | 2.2% | $3.9M |
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Franchise brands in All Other Home Furnishings Stores
24% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 6 | 54.5% | $1.9M | |
| 2 | Closet Factory | 2 | 18.2% | $5.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Home Furnishings Stores?
Median $448,800 across 46 acquisition loans (FY2018 to FY2026); the middle half ran $226,000 to $1,037,125. That is 30% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Home Furnishings Stores acquisitions?
Live Oak Banking Company (4), First Bank (3), United Community Bank (3), First Bank of the Lake (2), Fifth Third Bank (2).
Are businesses in All Other Home Furnishings Stores often franchised?
Yes, often. 24% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Budget Blinds, Closet Factory.
How risky are SBA loans for buying a business in All Other Home Furnishings Stores?
Of 40 seasoned loans (FY2018 to FY2021), 7.5% charged off, 113% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Home Furnishings Stores acquisitions?
Median term 10 years, average initial rate 6.63% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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