Beauty & Personal Care · lender intelligence

How to finance a Paint Nail Bar

State:

The SBA 7(a) lenders funding the most Paint Nail Bar deals, ranked from public loan records — typical Paint Nail Bar loan about $299K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Paint Nail Bar

$299K

Typical loan

range $226K–$360K

$332K

Est. purchase price

≈ loan ÷ 90%

$44,450

Cash to close

$33,233 down + fees

$4,120/mo

Typical payment

~11% · 10yr

$56,856/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

7.22%

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 Paint Nail Bar

Ranked by funded Paint Nail Bar loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.149 loans · $135M · Mukwonago, WIFull record →
2.116 loans · $120M · Evansville, INFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.42 loans · $19M · Louisville, KYFull record →
5.33 loans · $15M · Minneapolis, MNFull record →
6.22 loans · $20M · Little Rock, ARFull record →
7.75 loans · $98M · Sioux Falls, SDFull record →
8.23 loans · $30M · Stuart, FLFull record →
9.38 loans · $21M · San Antonio, TXFull record →

20+ funded Paint Nail Bar 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.

DMP Pinnacle, LLC in Rogers, AR — $662K (2025) · Encore Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$496K (75%)
Approval → funding
39 days
Approved
7/31/2025
First disbursed
9/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Encore Bank · Lender record →
Your business? Claim this record · Request removal
Paint Tampa LLC in Tampa, FL — $549K (2024) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
124 months
SBA guaranteed
$412K (75%)
Approval → funding
5 days
Approved
3/15/2024
First disbursed
3/20/2024
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Nail Salons
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
ObiEnterprise LLC in Houston, TX — $500K (2023) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
125 months
SBA guaranteed
$375K (75%)
Approval → funding
19 days
Approved
3/23/2023
First disbursed
4/11/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Paint Solon, LLC in Solon, OH — $410K (2023) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$308K (75%)
Approval → funding
6 days
Approved
4/26/2023
First disbursed
5/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$456K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$5,249
Annual debt service
$63K
Cash flow needed (1.25×)
$79K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
PRINCESSICA LLC in Venice, FL — $348K (2023) · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
124 months
SBA guaranteed
$261K (75%)
Approval → funding
26 days
Approved
3/9/2023
First disbursed
4/4/2023
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
Birdie Lu LLC in Nashville, TN — $328K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
113 months
SBA guaranteed
$246K (75%)
Approval → funding
9 days
Approved
10/12/2022
First disbursed
10/21/2022
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Existing or more than 2 years old
Industry
Nail Salons
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Two Roses LLC in Louisville, KY — $255K (2023) · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
5.6% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$191K (75%)
Approval → funding
24 days
Approved
12/12/2022
First disbursed
1/5/2023
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Paint Nail Bar Bethesda, LLC in Bethesda, MD — $360K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
124 months
SBA guaranteed
$270K (75%)
Approval → funding
297 days
Approved
6/7/2022
First disbursed
3/31/2023
Loan status
Paid in full (2/29/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Authenticity Inspired LLC in Dallas, TX — $226K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
7 days
Approved
12/23/2021
First disbursed
12/30/2021
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
JUST RUN THE PLAY LLC in Broadview Heights, OH — $150K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
17 days
Approved
2/18/2022
First disbursed
3/7/2022
Loan status
In workout — SBA bought the guarantee
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
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
R.L. Rositani LLC in Encinitas, CA — $308K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
98 months
SBA guaranteed
$277K (90%)
Approval → funding
17 days
Approved
4/15/2021
First disbursed
5/2/2021
Loan status
Failed — $226K charged off (10/26/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
The Big T LLC in Lakeland, FL — $299K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$269K (90%)
Approval → funding
17 days
Approved
4/16/2021
First disbursed
5/3/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
JUST RUN THE PLAY LLC in Broadview Heights, OH — $256K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
78 months
SBA guaranteed
$231K (90%)
Approval → funding
11 days
Approved
8/20/2021
First disbursed
8/31/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
9899 Holdings, LLC in Fredericksburg, TX — $250K (2021) · Frost Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
35 days
Approved
8/26/2021
First disbursed
9/30/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
Karpe Diem Sisters LLC in Sarasota, FL — $200K (2021) · Seacoast National Bank
Program
7a General
Rate at approval
5.25% fixed
Term
126 months
SBA guaranteed
$180K (90%)
Approval → funding
103 days
Approved
8/12/2021
First disbursed
11/23/2021
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
PAINT Nail Bar Annapolis LLC in Annapolis, MD — $184K (2021) · Citizens Bank
Program
7a General
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$138K (75%)
Approval → funding
35 days
Approved
10/26/2020
First disbursed
11/30/2020
Loan status
Paid in full (6/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Paint Nail Bar Birmingham, Inc in Birmingham, MI — $150K (2021) · Credit Union One
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (75%)
Approved
9/24/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Nail Salons
Funded by Credit Union One
Your business? Claim this record · Request removal
YWBG Inc. in Fort Myers, FL — $350K (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
124 months
SBA guaranteed
$263K (75%)
Approval → funding
78 days
Approved
1/13/2020
First disbursed
3/31/2020
Loan status
Paid in full (3/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Simplicity First LLC in Dallas, TX — $297K (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
123 months
SBA guaranteed
$223K (75%)
Approval → funding
108 days
Approved
10/15/2019
First disbursed
1/31/2020
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Paint Nail Bar Annapolis LLC in Annapolis, MD — $184K (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$138K (75%)
Approved
9/25/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Nail Salons
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Paint Nail Bar? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Paint Nail Bar 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. Citizens Bank funds the most. CapBench is not a lender.

$299K typical Paint Nail Bar loan
10 lenders fund the brand
24 days typical to fund

Buyers researching a Paint Nail Bar 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 Paint Nail Bar 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/paint-nail-bar
API:: https://www.capbench.com/api/public/lenders?franchise=paint-nail-bar
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.