{"ok":true,"canonical_url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement","api_url":"https://www.capbench.com/api/public/franchises/merle-norman-cosmetics-studio-agreement","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"Merle Norman - Cosmetics Studio Agreement","slug":"merle-norman-cosmetics-studio-agreement","url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement","sbaLoansSince2020":6,"businessPurchases":0,"typicalDeal":72200,"dealRange25th75th":[56900,182300],"avgRatePct":7.88,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":1,"topLenders":[{"name":"The Huntington National Bank","count":5,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Mountain Commerce Bank","count":1,"url":null}],"topStates":[{"count":3,"state":"IL"},{"count":2,"state":"LA"},{"count":1,"state":"TN"}],"recentDeals":[{"borrower":"REMEMBERED IMAGE LTD","city":"Niles","state":"IL","amount":56900,"fiscalYear":2025,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"REMEMBERED IMAGE LTD","city":"Niles","state":"IL","amount":63100,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"REMEMBERED IMAGE LTD","city":"Niles","state":"IL","amount":30000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Madison Wentworth","city":"Shreveport","state":"LA","amount":182300,"fiscalYear":2022,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Madison Wentworth","city":"Shreveport","state":"LA","amount":182300,"fiscalYear":2022,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Britts Merle Norman","city":"Johnson City","state":"TN","amount":72200,"fiscalYear":2021,"businessPurchase":false,"lender":"Mountain Commerce Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Merle Norman - Cosmetics Studio Agreement purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a Merle Norman - Cosmetics Studio Agreement purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Merle Norman - Cosmetics Studio Agreement"},"web_url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with Merle Norman - Cosmetics Studio Agreement.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Merle Norman - Cosmetics Studio Agreement"},"web_url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full Merle Norman - Cosmetics Studio Agreement SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Merle Norman - Cosmetics Studio Agreement"},"web_url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/merle-norman-cosmetics-studio-agreement","source_type":"CapBench Data"}}