How much do lenders finance for a Sears Catalog Store franchise?

The median SBA loan approved for a Sears Catalog Store franchise is $154,000, with the middle 80% of loans between $30,000 and $461,000. 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 Catalog Store franchises?

By dollars approved, the most active SBA lenders for Sears Catalog Store have been Capital Access Group, Inc., Great Plains National Bank, Ally Dakota Development, Inc., Mountain West Small Business Finance. 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 Catalog Store SBA loans?

The median term is 10 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 Catalog Store franchise

SBA lenders have approved 22 loans against the Sears Catalog Store brand since FY2010, totalling $4.9M. The median approval was $154,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#902

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$154,000

Typical range

$30K-$461K

Middle 80% of loans

Median term

10 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 Catalog Store

Lender	Loans	Approved
Capital Access Group, Inc.	1	$965K
Great Plains National Bank	1	$550K
Ally Dakota Development, Inc.	1	$461K
Mountain West Small Business Finance	1	$441K
Colony Bank	1	$360K
Small Business Assistance Corporation	1	$310K
Amplio Economic Development Corporation	1	$267K
Frontier Financial Partners, Inc.	1	$267K

Geography

Where Sears Catalog Store units were financed

State	Loans	Share
Texas	4
Minnesota	3
Georgia	2
Wisconsin	2
Utah	2
Connecticut	2
Kansas	1
California	1

Approvals by fiscal year

’10

’11

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
18%
$50K - $150K
32%
$150K - $350K
27%
$350K - $1M
23%

Financing a Sears Catalog Store: common questions

How much do lenders finance for a Sears Catalog Store franchise?: The median SBA loan approved for a Sears Catalog Store franchise is $154,000, with the middle 80% of loans between $30,000 and $461,000. 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 Catalog Store franchises?: By dollars approved, the most active SBA lenders for Sears Catalog Store have been Capital Access Group, Inc., Great Plains National Bank, Ally Dakota Development, Inc., Mountain West Small Business Finance. 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 Catalog Store SBA loans?: The median term is 10 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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