Merle Norman - Cosmetics Studio Agreement, by the numbers
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 →
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- 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 →
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- 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 →
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- 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
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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)
Most active states
- 1.Illinois (3 loans)
- 2.Louisiana (2 loans)
- 3.Tennessee (1 loans)
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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 2026-06-17.
- 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?
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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.