Window Treatment Stores: SBA business acquisition loan data
26 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Window Treatment Stores (NAICS 442291), totaling $19.1M. Median loan $486,500, 25% lower than the all-acquisition median. 54% 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 $971,500 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 #255 of 300 industries tracked.
- Geography. Texas leads with 5 loans; the top five states account for 58% of the industry's acquisitions.
- Jobs. Lenders reported 249 jobs supported across these loans, about 9.6 per acquisition, a rough proxy for the size of business changing hands.
Window Treatment Stores acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $5M | $575,000 | |
| FY2019 | 5 | $2.2M | $250,000 | |
| FY2020 | 7 | $4.3M | $484,000 | |
| FY2021 | 4 | $2.4M | $470,500 | |
| FY2022 | 4 | $3.3M | $702,500 | |
| FY2023 | 2 | $1.8M | $918,250 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 20 Window Treatment Stores acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 10 have already been paid in full.
For comparison, Window Treatment Stores has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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 | Texas | 5 | 19.2% | $3.3M | |
| 2 | Florida | 4 | 15.4% | $4.6M | |
| 3 | Nevada | 2 | 7.7% | $2.6M | |
| 4 | North Carolina | 2 | 7.7% | $1.2M | |
| 5 | Minnesota | 2 | 7.7% | $325K | |
| 6 | Iowa | 1 | 3.8% | $1.8M | |
| 7 | Tennessee | 1 | 3.8% | $1.1M | |
| 8 | Massachusetts | 1 | 3.8% | $1.1M | |
| 9 | Ohio | 1 | 3.8% | $563K | |
| 10 | Oregon | 1 | 3.8% | $489K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 15.4% | $2.1M | |
| 2 | Stearns Bank National Association | 3 | 11.5% | $1.6M | |
| 3 | DFCU Financial | 2 | 7.7% | $3.9M | |
| 4 | First Bank of the Lake | 2 | 7.7% | $1.8M | |
| 5 | Wells Fargo Bank National Association | 2 | 7.7% | $1.4M | |
| 6 | U.S. Bank, National Association | 2 | 7.7% | $325K | |
| 7 | BankUnited, National Association | 1 | 3.8% | $1.9M | |
| 8 | Farmers and Merchants Savings Bank | 1 | 3.8% | $1.8M | |
| 9 | Customers Bank | 1 | 3.8% | $1.1M | |
| 10 | UMB Bank, National Association | 1 | 3.8% | $658K |
The purchase agreement decides what you bought, not the loan approval.
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Franchise brands in Window Treatment Stores
54% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 14 | 100.0% | $11.5M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Window Treatment Stores?
Median $486,500 across 26 acquisition loans (FY2018 to FY2026); the middle half ran $265,125 to $971,500. That is 25% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Window Treatment Stores acquisitions?
Live Oak Banking Company (4), Stearns Bank National Association (3), DFCU Financial (2), First Bank of the Lake (2), Wells Fargo Bank National Association (2).
Are businesses in Window Treatment Stores often franchised?
Yes, often. 54% 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 Stores?
Of 20 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Window Treatment Stores acquisitions?
Median term 10 years, average initial rate 6.60% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
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