Beauty & Personal Care · lender intelligence

How to finance a LORDS & LADIES

State:

The SBA 7(a) lenders funding the most LORDS & LADIES deals, ranked from public loan records — typical LORDS & LADIES loan about $200K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance LORDS & LADIES

$200K

Typical loan

range $25K–$602K

$222K

Est. purchase price

≈ loan ÷ 90%

$29,722

Cash to close

$22,222 down + fees

$2,928/mo

Typical payment

~12.5% · 10yr

$40,406/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

153 days

Typical time to fund

Lenders competing

more = leverage

5.47%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with LORDS & LADIES

Ranked by funded LORDS & LADIES loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.31 loans · $24M · Malvern, PAFull record →
2.1,927 loans · $207M · Buffalo, NYFull record →

18+ funded LORDS & LADIES deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Geddio, Inc in Mohnton, PA — $200K (2022) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% variable
Term
119 months
SBA guaranteed
$100K (50%)
Approval → funding
39 days
Approved
3/11/2022
First disbursed
4/19/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Beauty Salons
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
KS Creative LLC in Perkiomenville, PA — $735K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$551K (75%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$817K
Est. down payment (10%)
$82K
Est. cash at closing
$112K
Monthly payment
$7,886
Annual debt service
$95K
Cash flow needed (1.25×)
$118K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Salons Generation II LLC in Reading, PA — $684K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$513K (75%)
Approved
8/31/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$760K
Est. down payment (10%)
$76K
Est. cash at closing
$102K
Monthly payment
$7,339
Annual debt service
$88K
Cash flow needed (1.25×)
$110K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Salons Generation II LLC in Reading, PA — $684K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$513K (75%)
Approval → funding
22 days
Approved
9/8/2020
First disbursed
9/30/2020
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$760K
Est. down payment (10%)
$76K
Est. cash at closing
$102K
Monthly payment
$7,339
Annual debt service
$88K
Cash flow needed (1.25×)
$110K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Geddio, Inc in Sinking Spring, PA — $643K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$482K (75%)
Approval → funding
219 days
Approved
2/24/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$714K
Est. down payment (10%)
$71K
Est. cash at closing
$96K
Monthly payment
$7,383
Annual debt service
$89K
Cash flow needed (1.25×)
$111K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
KL Salon, LLC in Gilbertsville, PA — $602K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$452K (75%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
36
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$669K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$6,459
Annual debt service
$78K
Cash flow needed (1.25×)
$97K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Fleetwood LLC in Blandon, PA — $585K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
124 months
SBA guaranteed
$439K (75%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$650K
Est. down payment (10%)
$65K
Est. cash at closing
$87K
Monthly payment
$6,123
Annual debt service
$73K
Cash flow needed (1.25×)
$92K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Souder L&L Salon, LLC in Douglassville, PA — $473K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$354K (75%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$525K
Est. down payment (10%)
$53K
Est. cash at closing
$70K
Monthly payment
$5,070
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Complete Elegance, LLC in Pottstown, PA — $405K (2020) · purchase · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$304K (75%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$450K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$4,345
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
KL Salon, LLC in Gilbertsville, PA — $25K (2020) · Customers Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
4/30/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
New Business or 2 years or less
Industry
Beauty Salons
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
KS Creative LLC in Perkiomenville, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (6/30/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Complete Elegance, LLC in Pottstown, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
153 days
Approved
4/30/2020
First disbursed
9/30/2020
Loan status
Paid in full (4/30/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Souder L&L Salon, LLC in Douglassville, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
304 days
Approved
4/30/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
KlSalon L.L.C. in Gilbertsville, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
304 days
Approved
4/30/2020
First disbursed
2/28/2021
Loan status
Paid in full (2/29/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Fleetwood LLC in Blandon, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
304 days
Approved
4/30/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Salons Generation II LLC in Reading, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
8/31/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
LL Salons Generation II LLC in Reading, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
22 days
Approved
9/8/2020
First disbursed
9/30/2020
Loan status
Paid in full (9/30/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$268
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
Geddio, Inc in Sinking Spring, PA — $25K (2020) · purchase · Customers Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
219 days
Approved
2/24/2020
First disbursed
9/30/2020
Loan status
Paid in full (4/30/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$287
Annual debt service
$3K
Cash flow needed (1.25×)
$4K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal

Buying a LORDS & LADIES? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to LORDS & LADIES businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a LORDS & LADIES purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Customers Bank funds the most. CapBench is not a lender.

$200K typical LORDS & LADIES loan
2 lenders fund the brand
153 days typical to fund

Buyers researching a LORDS & LADIES typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker LORDS & LADIES record

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/lenders/franchise/lords-ladies
API:: https://www.capbench.com/api/public/lenders?franchise=lords-ladies
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.