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Smartstyle, 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 S2274)

29 deals since 2020 · typical deal $600K · 0% failure rate

29

Deals since 2020

$600K

Typical deal

0

Deals since FY2025

0%

Failure rate (FY20–23)

Smartstyle buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Smartstyle

Most Smartstyle deals financed between $310K and $735K. Above $735K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$7,846
Down payment (10%)
$67K
Cash to close (all-in)
$89K

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 ~$89K)

Experience

Recent financings

  • Radiant One LLC in Apex, NC — $250K (2022) · Live Oak Banking Company
  • Kuber LLC in Atkinson, NH — $50K (2022) · TD Bank, National Association
  • Smartstyle Hair Salons, Cost Cutters Famous Hair, Super Cuts in Cary, NC — $375K (2021) · Live Oak Banking Company
  • Fight 6:12 Beauty, LLC in Fishers, IN — $310K (2021) · First Merchants Bank
  • LNJ INVESTMENTS CORPORATION in Cincinnati, OH — $150K (2021) · The Huntington National Bank
  • New Image Concepts AR LLC in Rogers, AR — $3.1M (2020) · purchase · Live Oak Banking Company
  • SMARTSTYLE in Cincinnati, OH — $2.2M (2020) · purchase · Live Oak Banking Company
  • SmartStyle Hair Salons in Philadelphia, PA — $1.7M (2020) · purchase · Live Oak Banking Company
  • Panimor Corp in Odessa, FL — $1.4M (2020) · purchase · SouthState Bank, National Association
  • Daesian Venture Group, Inc. in San Antonio, TX — $1.1M (2020) · purchase · Live Oak Banking Company

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Smartstyle brand mark

Who funds Smartstyle — and where

Every dot is a financed Smartstyle — 28 mapped.

Financed Smartstyle locations — list all 28 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(16)
  2. 2.SouthState Bank, National Association(3)
  3. 3.Lake Michigan CU(2)
  4. 4.Stearns Bank National Association(2)
  5. 5.The Huntington National Bank(1)

Most active states

  1. 1.Ohio (3 loans)
  2. 2.Texas (3 loans)
  3. 3.Indiana (3 loans)
  4. 4.Florida (3 loans)
  5. 5.Maine (3 loans)
  6. 6.North Carolina (2 loans)
  7. 7.Pennsylvania (2 loans)
  8. 8.New Hampshire (1 loans)

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Common questions

How much does a Smartstyle cost to buy or open?

The typical deal for Smartstyle is $600K across 29 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $66K of buyer cash on a typical deal.

How risky is Smartstyle?

0% of Smartstyle's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Smartstyle with an SBA loan?

Yes — Smartstyle has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Smartstyle franchise

Most Smartstyle 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 Smartstyle deal financed for $600K, which points to about $66K of buyer cash on a typical purchase. Smartstyle is listed in the SBA Franchise Directory (identifier S2274), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Smartstyle — 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 Smartstyle — 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 Smartstyle — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Smartstyle is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 29 SBA 7(a) deals since 2020
  • $600K typical deal
  • 0 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S2274)
  • Top lenders: Live Oak Banking Company, SouthState Bank, National Association, Lake Michigan CU

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/smartstyle
API:
https://www.capbench.com/api/public/franchises/smartstyle
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 Smartstyle.

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