How much do lenders finance for a Sears Authorized Hometown Stores (f franchise?

The median SBA loan approved for a Sears Authorized Hometown Stores (f franchise is $148,500, with the middle 80% of loans between $25,000 and $453,900. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Sears Authorized Hometown Stores (f franchises?

By dollars approved, the most active SBA lenders for Sears Authorized Hometown Stores (f have been Wells Fargo Bank, Zions Bank, A Division of, Colony Bank, U.S. Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Sears Authorized Hometown Stores (f SBA loans?

The median term is 9.1 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Sears Authorized Hometown Stores (f franchise

SBA lenders have approved 18 loans against the Sears Authorized Hometown Stores (f brand since FY2010, totalling $3.9M. The median approval was $148,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1029

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$148,500

Typical range

$25K-$454K

Middle 80% of loans

Median term

9.1 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Sears Authorized Hometown Stores (f

Lender	Loans	Approved
Wells Fargo Bank	3	$1.4M
Zions Bank, A Division of	1	$470K
Colony Bank	1	$454K
U.S. Bank	2	$404K
Heartland Bank	1	$208K
WBD, Inc.	1	$180K
Premier Bank	1	$150K
Commerce Bank	1	$147K

Geography

Where Sears Authorized Hometown Stores (f units were financed

State	Loans	Share
Washington	2
Oregon	2
Wisconsin	1
Louisiana	1
Nebraska	1
Maine	1
Michigan	1
Colorado	1

Approvals by fiscal year

’10

’13

’14

’15

’16

’17

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
22%
$50K - $150K
28%
$150K - $350K
22%
$350K - $1M
28%

Financing a Sears Authorized Hometown Stores (f: common questions

How much do lenders finance for a Sears Authorized Hometown Stores (f franchise?: The median SBA loan approved for a Sears Authorized Hometown Stores (f franchise is $148,500, with the middle 80% of loans between $25,000 and $453,900. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Sears Authorized Hometown Stores (f franchises?: By dollars approved, the most active SBA lenders for Sears Authorized Hometown Stores (f have been Wells Fargo Bank, Zions Bank, A Division of, Colony Bank, U.S. Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Sears Authorized Hometown Stores (f SBA loans?: The median term is 9.1 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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