Scissors & Scotch, by the numbers
Scissors & Scotch appears in 17 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 S2569)
17 deals since 2020 · typical deal $500K
17
Deals since 2020
$500K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Scissors & Scotch
Most Scissors & Scotch deals financed between $200K and $685K. Above $685K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,539
- Down payment (10%)
- $56K
- Cash to close (all-in)
- $74K
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 ~$74K)
Experience
Recent financings
- S&S Elkhorn, LLC in Omaha, NE — $565K (2025) · Union Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.45% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $424K (75%)
- Approval → funding
- 49 days
- Approved
- 12/20/2024
- First disbursed
- 2/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Barber Shops
Funded by Union Bank and Trust Company · Lender record →
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- Scissors & Scotch of Naperville LLC in Wheaton, IL — $450K (2025) · Peoples Bank
- Program
- 7a General
- Rate at approval
- 10% fixed
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 101 days
- Approved
- 11/5/2024
- First disbursed
- 2/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by Peoples Bank · Lender record →
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- S&S Islay, LLC in Las Vegas, NV — $945K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $709K (75%)
- Approval → funding
- 87 days
- Approved
- 7/30/2024
- First disbursed
- 10/25/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by First Commonwealth Bank · Lender record →
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- S&S Lee's Summit LLC in Lees Summit, MO — $500K (2024) · The Callaway Bank
- Program
- 7a General
- Rate at approval
- 9.29% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 6 days
- Approved
- 1/10/2024
- First disbursed
- 1/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by The Callaway Bank · Lender record →
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- S&S Legacy, LLC in Omaha, NE — $200K (2024) · Union Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 30 days
- Approved
- 11/7/2023
- First disbursed
- 12/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Barber Shops
Funded by Union Bank and Trust Company · Lender record →
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- BARBERLY LLC in Seattle, WA — $992K (2023) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 124 months
- SBA guaranteed
- $744K (75%)
- Approval → funding
- 28 days
- Approved
- 3/8/2023
- First disbursed
- 4/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by Byline Bank · Lender record →
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- Svehla Holdings Company, LLC in Lincoln, NE — $685K (2023) · Nebraska Bank of Commerce
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 114 months
- SBA guaranteed
- $514K (75%)
- Approval → funding
- 0 days
- Approved
- 3/31/2023
- First disbursed
- 3/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by Nebraska Bank of Commerce · Lender record →
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- S&S Charlotte - 1, LLC in Charlotte, NC — $500K (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.83% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 6 days
- Approved
- 9/29/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by Wells Fargo Bank National Association · Lender record →
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- hollyollyoxenfree LLC in Fort Collins, CO — $200K (2023) · First National Bank of Omaha
- Program
- Preferred Lenders Program
- Rate at approval
- 7.55% fixed
- Term
- 74 months
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 32 days
- Approved
- 6/1/2023
- First disbursed
- 7/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by First National Bank of Omaha · Lender record →
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- hollyollyoxenfree LLC in Fort Collins, CO — $103K (2023) · First National Bank of Omaha
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.55% fixed
- Term
- 11 months
- SBA guaranteed
- $52K (50%)
- Approval → funding
- 0 days
- Approved
- 6/1/2023
- First disbursed
- 6/1/2023
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Barber Shops
Funded by First National Bank of Omaha · Lender record →
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Who funds Scissors & Scotch — and where
Every dot is a financed Scissors & Scotch — 17 mapped.
Financed Scissors & Scotch locations — list all 17 as text
- S&S Corinth LLC — Prairie Village · $350K · FY2021 · Barber Shops
- BARBERLY LLC — Seattle · $992K · FY2023 · Barber Shops
- S&S Islay, LLC — Las Vegas · $945K · FY2024 · Beauty Salons
- S&S of Atlanta 1 LLC — Atlanta · $658K · FY2022 · Barber Shops
- S&S Lee's Summit LLC — Lees Summit · $500K · FY2024 · Barber Shops
- Scissors & Scotch of Naperville LLC — Wheaton · $450K · FY2025 · Barber Shops
- S&S Charlotte - 1, LLC — Charlotte · $500K · FY2023 · Barber Shops
- S&S Legacy, LLC — Omaha · $200K · FY2024 · Barber Shops
- S&S Elkhorn, LLC — Omaha · $565K · FY2025 · Barber Shops
- Svehla Holdings Company, LLC — Lincoln · $685K · FY2023 · Barber Shops
- hollyollyoxenfree LLC — Fort Collins · $200K · FY2023 · Barber Shops
- hollyollyoxenfree LLC — Fort Collins · $103K · FY2023 · Barber Shops
- S&S Legacy, LLC — Omaha · $50K · FY2022 · Barber Shops
- S&S Legacy, LLC — Omaha · $1.0M · FY2022 · Barber Shops
- Scissors & Scotch Houston LLC — Houston · $736K · FY2022 · Beauty Salons
- S&S TN LLC — Franklin · $605K · FY2021 · Barber Shops
- S&S TN LLC — Franklin · $150K · FY2021 · Barber Shops
Top lenders for this brand
Most active states
- 1.Nebraska (5 loans)Scissors & Scotch lenders in Nebraska->
- 2.Colorado (2 loans)Scissors & Scotch lenders in Colorado->
- 3.Tennessee (2 loans)Scissors & Scotch lenders in Tennessee->
- 4.Kansas (1 loans)Scissors & Scotch lenders in Kansas->
- 5.Washington (1 loans)Scissors & Scotch lenders in Washington->
- 6.Nevada (1 loans)Scissors & Scotch lenders in Nevada->
- 7.Georgia (1 loans)Scissors & Scotch lenders in Georgia->
- 8.Missouri (1 loans)Scissors & Scotch lenders in Missouri->
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Common questions
How much does a Scissors & Scotch cost to buy or open?
The typical deal for Scissors & Scotch is $500K across 17 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $55K of buyer cash on a typical deal.
How risky is Scissors & Scotch?
Scissors & Scotch has 17 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 Scissors & Scotch with an SBA loan?
Yes — Scissors & Scotch has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Scissors & Scotch franchise
Most Scissors & Scotch 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 Scissors & Scotch deal financed for $500K, which points to about $55K of buyer cash on a typical purchase. Scissors & Scotch is listed in the SBA Franchise Directory (identifier S2569), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Scissors & Scotch — 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 Scissors & Scotch — 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 Scissors & Scotch — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Scissors & Scotch is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 17 SBA 7(a) deals since 2020
- $500K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2569)
- Top lenders: Union Bank and Trust Company, Old National Bank, The Callaway Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-18.
- 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.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Scissors & Scotch.