Beauty & Personal Care · lender intelligence

How to finance a Scissors & Scotch

State:

The SBA 7(a) lenders funding the most Scissors & Scotch deals, ranked from public loan records — typical Scissors & Scotch loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Scissors & Scotch

$500K

Typical loan

range $200K–$685K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

7.32%

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 Scissors & Scotch

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

1.1 loans · $1M · Lincoln, NEFull record →
2.116 loans · $120M · Evansville, INFull record →
3.4 loans · $1M · Fulton, MOFull record →
4.6 loans · $2M · Omaha, NEFull record →
5.242 loans · $281M · Chicago, ILFull record →
6.103 loans · $64M · Indiana, PAFull record →
7.1 loans · $1M · Cuba, MOFull record →
8.1 loans · $1M · Lincoln, NEFull record →
9.7 loans · $9M · Omaha, NEFull record →

17+ funded Scissors & Scotch 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.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
S&S Legacy, LLC in Omaha, NE — $1.0M (2022) · Union Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$770K (75%)
Approval → funding
11 days
Approved
1/31/2022
First disbursed
2/11/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Barber Shops
Funded by Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Scissors & Scotch Houston LLC in Houston, TX — $736K (2022) · Security National Bank of Omaha
Program
7a General
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$552K (75%)
Approval → funding
15 days
Approved
4/19/2022
First disbursed
5/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Beauty Salons
Funded by Security National Bank of Omaha · Lender record →
Your business? Claim this record · Request removal
S&S of Atlanta 1 LLC in Atlanta, GA — $658K (2022) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
126 months
SBA guaranteed
$494K (75%)
Approval → funding
0 days
Approved
6/9/2022
First disbursed
6/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Barber Shops
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
S&S Legacy, LLC in Omaha, NE — $50K (2022) · Union Bank and Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
11 days
Approved
1/31/2022
First disbursed
2/11/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Barber Shops
Funded by Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
S&S TN LLC in Franklin, TN — $605K (2021) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
126 months
SBA guaranteed
$544K (90%)
Approval → funding
0 days
Approved
9/28/2021
First disbursed
9/28/2021
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Barber Shops
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
S&S Corinth LLC in Prairie Village, KS — $350K (2021) · The Callaway Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
7 days
Approved
12/11/2020
First disbursed
12/18/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Barber Shops
Funded by The Callaway Bank · Lender record →
Your business? Claim this record · Request removal
S&S TN LLC in Franklin, TN — $150K (2021) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (75%)
Approved
9/28/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Barber Shops
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Scissors & Scotch? 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 Scissors & Scotch businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Scissors & Scotch 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. Union Bank and Trust Company funds the most. CapBench is not a lender.

$500K typical Scissors & Scotch loan
10 lenders fund the brand
28 days typical to fund

Buyers researching a Scissors & Scotch 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 Scissors & Scotch 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/scissors-scotch
API:: https://www.capbench.com/api/public/lenders?franchise=scissors-scotch
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.