Merle Norman - Cosmetics Studio Agreement, by the numbers
Merle Norman - Cosmetics Studio Agreement appears in 6 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S1104)
6 deals since 2020 · typical deal $72K
6
Deals since 2020
$72K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Merle Norman - Cosmetics Studio Agreement
Most Merle Norman - Cosmetics Studio Agreement deals financed between $57K and $182K. Above $182K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $1,067
- Down payment (10%)
- $8K
- Cash to close (all-in)
- $10K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$10K)
Experience
Recent financings
- REMEMBERED IMAGE LTD in Niles, IL — $57K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $48K (85%)
- Approval → funding
- 66 days
- Approved
- 10/29/2024
- First disbursed
- 1/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- REMEMBERED IMAGE LTD in Niles, IL — $63K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $54K (85%)
- Approval → funding
- 20 days
- Approved
- 3/6/2024
- First disbursed
- 3/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Cosmetics, Beauty Supplies, and Perfume Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- REMEMBERED IMAGE LTD in Niles, IL — $30K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 16 days
- Approved
- 3/6/2024
- First disbursed
- 3/22/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Cosmetics, Beauty Supplies, and Perfume Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Madison Wentworth in Shreveport, LA — $182K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $137K (75%)
- Approval → funding
- 15 days
- Approved
- 6/1/2022
- First disbursed
- 6/16/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Soap and Other Detergent Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Madison Wentworth in Shreveport, LA — $182K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $137K (75%)
- Approved
- 6/1/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Soap and Other Detergent Manufacturing
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Britts Merle Norman in Johnson City, TN — $72K (2021) · Mountain Commerce Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% fixed
- Term
- 57 months
- SBA guaranteed
- $36K (50%)
- Approval → funding
- 0 days
- Approved
- 7/19/2021
- First disbursed
- 7/19/2021
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Cosmetics, Beauty Supplies, and Perfume Stores
Funded by Mountain Commerce Bank
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
Free · No documents · Usually same-day
Serious about buying a Merle Norman - Cosmetics Studio Agreement?
Get qualified with a franchise lending specialist before discovery day — know your number first.
Who funds Merle Norman - Cosmetics Studio Agreement — and where
Every dot is a financed Merle Norman - Cosmetics Studio Agreement — 6 mapped.
Financed Merle Norman - Cosmetics Studio Agreement locations — list all 6 as text
- Madison Wentworth — Shreveport · $182K · FY2022 · Soap and Other Detergent Manufacturing
- Madison Wentworth — Shreveport · $182K · FY2022 · Soap and Other Detergent Manufacturing
- REMEMBERED IMAGE LTD — Niles · $30K · FY2024 · Cosmetics, Beauty Supplies, and Perfume Retailers
- REMEMBERED IMAGE LTD — Niles · $63K · FY2024 · Cosmetics, Beauty Supplies, and Perfume Retailers
- REMEMBERED IMAGE LTD — Niles · $57K · FY2025 · Beauty Salons
- Britts Merle Norman — Johnson City · $72K · FY2021 · Cosmetics, Beauty Supplies, and Perfume Stores
Top lenders for this brand
1.The Huntington National Bank(5)
- 2.Mountain Commerce Bank (1)
Represent Merle Norman - Cosmetics Studio Agreement?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Merle Norman - Cosmetics Studio Agreement cost to buy or open?
The typical deal for Merle Norman - Cosmetics Studio Agreement is $72K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $8K of buyer cash on a typical deal.
How risky is Merle Norman - Cosmetics Studio Agreement?
Merle Norman - Cosmetics Studio Agreement has 6 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Merle Norman - Cosmetics Studio Agreement with an SBA loan?
Yes — Merle Norman - Cosmetics Studio Agreement has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Merle Norman - Cosmetics Studio Agreement franchise
Most Merle Norman - Cosmetics Studio Agreement buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Merle Norman - Cosmetics Studio Agreement deal financed for $72K, which points to about $8K of buyer cash on a typical purchase. Merle Norman - Cosmetics Studio Agreement is listed in the SBA Franchise Directory (identifier S1104), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Merle Norman - Cosmetics Studio Agreement — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Merle Norman - Cosmetics Studio Agreement — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Merle Norman - Cosmetics Studio Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Merle Norman - Cosmetics Studio Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 6 SBA 7(a) deals since 2020
- $72K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1104)
- Top lenders: The Huntington National Bank, Mountain Commerce Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-27.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
Still have questions about buying a Merle Norman - Cosmetics Studio Agreement?
Five minutes with a specialist who's seen Merle Norman - Cosmetics Studio Agreement deals close answers more than an hour of searching. Free, usually same-day.
Analyze this franchise in ChatGPT
Use Capbench to compare franchise SBA funding history, lender activity, buyer requirements, and likely financing fit.
ChatGPT will ask you to connect Capbench if you have not already approved it.
Represent Merle Norman - Cosmetics Studio Agreement?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Merle Norman - Cosmetics Studio Agreement.