Window Treatment Retailers: SBA business acquisition loan data
46 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Window Treatment Retailers (NAICS 449122), totaling $34.9M. Median loan $488,500, 24% lower than the all-acquisition median. 59% of these deals were franchised units.
Terms signed in the LOI shape the purchase agreement that follows.
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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 $967,500 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 #170 of 300 industries tracked.
- Geography. Florida leads with 7 loans; the top five states account for 46% of the industry's acquisitions.
- Jobs. Lenders reported 311 jobs supported across these loans, about 6.8 per acquisition, a rough proxy for the size of business changing hands.
Window Treatment Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 4 | $4.4M | $1,075,000 | |
| FY2023 | 14 | $8.3M | $469,500 | |
| FY2024 | 7 | $4.3M | $445,500 | |
| FY2025 | 10 | $9.6M | $600,000 | |
| FY2026 | 11 | $8.3M | $515,300 |
How often do these acquisition loans fail?
Fewer than 20 Window Treatment Retailers acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
The purchase agreement decides what you bought, not the loan approval.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 7 | 15.2% | $4.6M | |
| 2 | Wisconsin | 4 | 8.7% | $3.1M | |
| 3 | New Hampshire | 4 | 8.7% | $1.9M | |
| 4 | Minnesota | 3 | 6.5% | $3.8M | |
| 5 | North Carolina | 3 | 6.5% | $2.6M | |
| 6 | California | 3 | 6.5% | $2.5M | |
| 7 | Ohio | 3 | 6.5% | $1.5M | |
| 8 | Utah | 2 | 4.3% | $3.2M | |
| 9 | New Jersey | 2 | 4.3% | $1M | |
| 10 | Idaho | 2 | 4.3% | $800K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | First Bank of the Lake | 6 | 13.0% | $2.6M | |
| 2 | Live Oak Banking Company | 4 | 8.7% | $4.2M | |
| 3 | Customers Bank | 4 | 8.7% | $3.4M | |
| 4 | Mission Valley Bank | 4 | 8.7% | $3M | |
| 5 | Byline Bank | 4 | 8.7% | $2M | |
| 6 | Banesco USA | 2 | 4.3% | $850K | |
| 7 | D. L. Evans Bank | 2 | 4.3% | $800K | |
| 8 | Merrimack County Savings Bank | 2 | 4.3% | $680K | |
| 9 | First Business Bank | 1 | 2.2% | $3.4M | |
| 10 | First Resource Bank | 1 | 2.2% | $2.9M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Window Treatment Retailers
59% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 24 | 88.9% | $14M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Window Treatment Retailers?
Median $488,500 across 46 acquisition loans (FY2018 to FY2026); the middle half ran $285,000 to $967,500. That is 24% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Window Treatment Retailers acquisitions?
First Bank of the Lake (6), Live Oak Banking Company (4), Customers Bank (4), Mission Valley Bank (4), Byline Bank (4).
Are businesses in Window Treatment Retailers often franchised?
Yes, often. 59% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Budget Blinds.
How risky are SBA loans for buying a business in Window Treatment Retailers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Window Treatment Retailers acquisitions?
Median term 10 years, average initial rate 9.08% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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