SBA lending record

Universal Companies, Inc.

18260 Oak Park Dr, Abingdon, VA 24210 · Cosmetics, Beauty Supplies, and Perfume Stores. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$7.5M

Total SBA financing

Loans on record

FY2021

On record

300

Jobs supported

● business — business location is the ZIP-area centroid from the public record

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All 3 loans

$3,000,000 — FY2021

Loan 1 of 3

Gross approval: $3,000,000
SBA guaranteed: $2,250,000 (75%)
Status: Cancelled
Rate at approval: 4% v
Term: 36 mo (3 yr)
Program: Preferred Lenders with EWCP
Subprogram: Revolving Line of Credit Expor
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/27/2021
Collateral: Required
Jobs supported: 100
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Cosmetics, Beauty Supplies, and Perfume Stores
NAICS code: 446120
Lender: The First Bank and Trust Company
Address: 18260 Oak Park Dr
City: Abingdon, 24210
County: Washington
SBA district office: RICHMOND DISTRICT OFFICE
Congressional district: 9

$2,470,000 — FY2021

Loan 2 of 3

Gross approval: $2,470,000
SBA guaranteed: $1,852,500 (75%)
Status: Cancelled
Rate at approval: 4.25% f
Term: 60 mo (5 yr)
Program: International Trade Loans
Subprogram: International Trade - Sec, 7(a
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/28/2021
Collateral: Required
Jobs supported: 100
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Cosmetics, Beauty Supplies, and Perfume Stores
NAICS code: 446120
Lender: The First Bank and Trust Company
Address: 18260 Oak Park Dr
City: Abingdon, 24210
County: Washington
SBA district office: RICHMOND DISTRICT OFFICE
Congressional district: 9

$2,000,000 — FY2021

Loan 3 of 3

Gross approval: $2,000,000
SBA guaranteed: $1,500,000 (75%)
Status: Cancelled
Rate at approval: 4% v
Term: 36 mo (3 yr)
Program: Preferred Lenders with EWCP
Subprogram: Revolving Line of Credit Expor
Loan type: Term loan
Purpose: Other / working capital
Approved: 9/28/2021
Collateral: Required
Jobs supported: 100
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Cosmetics, Beauty Supplies, and Perfume Stores
NAICS code: 446120
Lender: The First Bank and Trust Company
Address: 18260 Oak Park Dr
City: Abingdon, 24210
County: Washington
SBA district office: RICHMOND DISTRICT OFFICE
Congressional district: 9

The lender

The First Bank and Trust Company

3 loans to this business

Find SBA lenders for businesses like this

The banks most active funding cosmetics, beauty supplies, and perfume stores — by location, industry.

SBA lenders in Virginia Lenders for cosmetics, beauty supplies, and perfume stores Cosmetics, Beauty Supplies, and Perfume Stores lenders in Virginia

Similar businesses

Comparable cosmetics, beauty supplies, and perfume stores in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

NUTRACEUTICAL RESEARCH INNOVATIONS LLC

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Cosmetics, Beauty Supplies, and Perfume Stores

$6.2M
SBA financing: ≈ $12M–$20M
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$72K
SBA financing: ≈ $142K–$236K
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J&L Naturals LLC

Mooresville, NC· ~104 mi

Cosmetics, Beauty Supplies, and Perfume Stores

$150K
SBA financing: ≈ $294K–$490K
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OXIGENO BEAUTY SUPPLY

Charlotte, NC· ~127 mi

Cosmetics, Beauty Supplies, and Perfume Stores

$10K
SBA financing: ≈ $20K–$33K
Est. revenue (rough)

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Becky's Homemade Goat Milk Lotions, Soaps & More

Elkins, WV· ~196 mi

Cosmetics, Beauty Supplies, and Perfume Stores

$20K
SBA financing: ≈ $39K–$65K
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Zuion LLC

Kannapolis, NC· ~116 mi

Cosmetics, Beauty Supplies, and Perfume Stores

$85K
SBA financing: ≈ $167K–$278K
Est. revenue (rough)

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Agent summary

This page summarizes the public SBA 7(a) lending record for Universal Companies, Inc. in Abingdon, VA (Cosmetics, Beauty Supplies, and Perfume Stores). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

3 SBA 7(a) loans totaling $7.5M
On record FY2021
300 jobs supported
Industry: Cosmetics, Beauty Supplies, and Perfume Stores
Location: Abingdon, VA
Lender: The First Bank and Trust Company

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Cosmetics, Beauty Supplies, and Perfume Stores businesses in VA for ~$2.5M deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/universal-companies-inc-va
API:: https://www.capbench.com/api/public/businesses/universal-companies-inc-va
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Universal Companies, Inc..