Franchise · lender intelligence
How to finance a Merle Norman - Cosmetics Studio Agreement in Tennessee
The SBA 7(a) lenders funding the most Merle Norman - Cosmetics Studio Agreement deals in Tennessee, from public loan records — typical Merle Norman - Cosmetics Studio Agreement loan about $72K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Merle Norman - Cosmetics Studio Agreement in Tennessee
$72K
Typical loan
range $72K–$72K
$80K
Est. purchase price
≈ loan ÷ 90%
$10,332
Cash to close
$8,022 down + fees
$1,057/mo
Typical payment
~12.5% · 10yr
$14,587/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
1
Lenders competing
more = leverage
5.25%
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 Merle Norman - Cosmetics Studio Agreement in Tennessee
Ranked by funded Merle Norman - Cosmetics Studio Agreement loans in Tennessee. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough Merle Norman - Cosmetics Studio Agreement loans in Tennessee to rank yet. See Merle Norman - Cosmetics Studio Agreement lenders nationwide →
1+ funded Merle Norman - Cosmetics Studio Agreement in Tennessee 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.
- 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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Buying a Merle Norman - Cosmetics Studio Agreement in Tennessee? Start with a lender that funds them here
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Merle Norman - Cosmetics Studio Agreement loans with a Tennessee project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Merle Norman - Cosmetics Studio Agreement purchase in Tennessee with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Tennessee deals. CapBench is not a lender.
- $72K typical Merle Norman - Cosmetics Studio Agreement loan
- 1 lenders active in Tennessee
- 1+ funded Tennessee deals
Buyers buying a Merle Norman - Cosmetics Studio Agreement in Tennessee typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
Next steps
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Canonical:
- https://www.capbench.com/lenders/franchise/merle-norman-cosmetics-studio-agreement/tennessee
- 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.