Beauty & Personal Care · lender intelligence

How to finance a Smartstyle

State:

The SBA 7(a) lenders funding the most Smartstyle deals, ranked from public loan records — typical Smartstyle loan about $600K, 0% failure rate across 29 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Smartstyle

$600K

Typical loan

range $310K–$735K

$667K

Est. purchase price

≈ loan ÷ 90%

$89,167

Cash to close

$66,667 down + fees

$7,764/mo

Typical payment

~9.5% · 10yr

$107,143/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

22 days

Typical time to fund

Lenders competing

more = leverage

6.97%

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 Smartstyle

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.62 loans · $34M · Winter Haven, FLFull record →
3.19 loans · $18M · Grand Rapids, MIFull record →
4.62 loans · $21M · Saint Cloud, MNFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.88 loans · $96M · Muncie, INFull record →
7.1,322 loans · $185M · Wilmington, DEFull record →
8.22 loans · $12M · Carlsbad, NMFull record →
9.34 loans · $57M · Charlotte, NCFull record →
10.14 loans · $23M · Miami Lakes, FLFull record →

29+ funded Smartstyle 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.

Radiant One LLC in Apex, NC — $250K (2022) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
11 days
Approved
4/21/2022
First disbursed
5/2/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
New Business or 2 years or less
Industry
Beauty Salons
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Kuber LLC in Atkinson, NH — $50K (2022) · TD Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.55% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
8 days
Approved
6/28/2022
First disbursed
7/6/2022
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 TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Smartstyle Hair Salons, Cost Cutters Famous Hair, Super Cuts in Cary, NC — $375K (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$338K (90%)
Approval → funding
7 days
Approved
3/1/2021
First disbursed
3/8/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
77
Business age
New Business or 2 years or less
Industry
Beauty Salons
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Fight 6:12 Beauty, LLC in Fishers, IN — $310K (2021) · First Merchants Bank
Program
7a General
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$232K (75%)
Approval → funding
0 days
Approved
11/4/2020
First disbursed
11/4/2020
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Beauty Salons
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
LNJ INVESTMENTS CORPORATION in Cincinnati, OH — $150K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.65% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
65 days
Approved
12/21/2020
First disbursed
2/24/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
Beauty Salons
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
New Image Concepts AR LLC in Rogers, AR — $3.1M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.3M (75%)
Approval → funding
14 days
Approved
2/11/2020
First disbursed
2/25/2020
Loan status
Paid in full (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
250
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$3.4M
Est. down payment (10%)
$344K
Est. cash at closing
$476K
Monthly payment
$35,595
Annual debt service
$427K
Cash flow needed (1.25×)
$534K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
SMARTSTYLE in Cincinnati, OH — $2.2M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approved
2/12/2020
Loan status
Cancelled
Loan type
Term loan
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
$2.4M
Est. down payment (10%)
$244K
Est. cash at closing
$337K
Monthly payment
$25,828
Annual debt service
$310K
Cash flow needed (1.25×)
$387K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
SmartStyle Hair Salons in Philadelphia, PA — $1.7M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
27 days
Approved
12/4/2019
First disbursed
12/31/2019
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
220
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$193K
Est. cash at closing
$265K
Monthly payment
$20,369
Annual debt service
$244K
Cash flow needed (1.25×)
$306K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Panimor Corp in Odessa, FL — $1.4M (2020) · purchase · SouthState Bank, National Association
Program
7a General
Rate at approval
7.5% variable
Term
121 months
SBA guaranteed
$1.0M (75%)
Approval → funding
503 days
Approved
11/14/2019
First disbursed
3/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$153K
Est. cash at closing
$210K
Monthly payment
$16,290
Annual debt service
$195K
Cash flow needed (1.25×)
$244K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Daesian Venture Group, Inc. in San Antonio, TX — $1.1M (2020) · purchase · Live Oak Banking Company
Program
7a General
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$788K (75%)
Approval → funding
11 days
Approved
3/6/2020
First disbursed
3/17/2020
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
73
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$117K
Est. cash at closing
$160K
Monthly payment
$12,327
Annual debt service
$148K
Cash flow needed (1.25×)
$185K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Jai Ganesha LLC in Clermont, FL — $796K (2020) · purchase · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
123 months
SBA guaranteed
$597K (75%)
Approval → funding
9 days
Approved
10/22/2019
First disbursed
10/31/2019
Loan status
Paid in full (4/30/2023)
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
$884K
Est. down payment (10%)
$88K
Est. cash at closing
$121K
Monthly payment
$9,087
Annual debt service
$109K
Cash flow needed (1.25×)
$136K
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 Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
PREMIER HAIR CARE LLC in Irving, TX — $775K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$581K (75%)
Approval → funding
7 days
Approved
9/17/2020
First disbursed
9/24/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
103
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$861K
Est. down payment (10%)
$86K
Est. cash at closing
$118K
Monthly payment
$8,507
Annual debt service
$102K
Cash flow needed (1.25×)
$128K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
SmartStyle in New Canaan, CT — $735K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$551K (75%)
Approval → funding
10 days
Approved
2/21/2020
First disbursed
3/2/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
78
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
$8,534
Annual debt service
$102K
Cash flow needed (1.25×)
$128K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
West Penn Salons LLC in Mount Pleasant, PA — $715K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$536K (75%)
Approval → funding
47 days
Approved
11/21/2019
First disbursed
1/7/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
59
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$794K
Est. down payment (10%)
$79K
Est. cash at closing
$109K
Monthly payment
$8,155
Annual debt service
$98K
Cash flow needed (1.25×)
$122K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
KAIRALI CREATIONS CORP in Mesa, AZ — $675K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$506K (75%)
Approval → funding
30 days
Approved
10/1/2019
First disbursed
10/31/2019
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
73
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$750K
Est. down payment (10%)
$75K
Est. cash at closing
$100K
Monthly payment
$7,925
Annual debt service
$95K
Cash flow needed (1.25×)
$119K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Z2 Great Lakes Cosmetologists Organization, LLC in Elkhart, IN — $651K (2020) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
124 months
SBA guaranteed
$488K (75%)
Approved
3/19/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
61
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$723K
Est. down payment (10%)
$72K
Est. cash at closing
$97K
Monthly payment
$7,475
Annual debt service
$90K
Cash flow needed (1.25×)
$112K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Uma Mahesh LLC in Clermont, FL — $635K (2020) · purchase · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
123 months
SBA guaranteed
$476K (75%)
Approval → funding
9 days
Approved
10/22/2019
First disbursed
10/31/2019
Loan status
Paid in full (4/30/2023)
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
$706K
Est. down payment (10%)
$71K
Est. cash at closing
$94K
Monthly payment
$7,249
Annual debt service
$87K
Cash flow needed (1.25×)
$109K
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 Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
ARCNV INC in Las Vegas, NV — $635K (2020) · SouthState Bank, National Association
Program
7a General
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$476K (75%)
Approval → funding
201 days
Approved
3/13/2020
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
83
Business age
Startup, Loan Funds will Open Business
Industry
Beauty Salons
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
The Wardlow Group LLC in Greencastle, IN — $614K (2020) · purchase · BankUnited, National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$461K (75%)
Approval → funding
56 days
Approved
2/4/2020
First disbursed
3/31/2020
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
65
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$682K
Est. down payment (10%)
$68K
Est. cash at closing
$91K
Monthly payment
$7,050
Annual debt service
$85K
Cash flow needed (1.25×)
$106K
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 BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
SMARTSTYLE in Cincinnati, OH — $600K (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
22 days
Approved
10/9/2019
First disbursed
10/31/2019
Loan status
Current
Loan type
Term loan
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
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$7,122
Annual debt service
$85K
Cash flow needed (1.25×)
$107K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Smartstyle? 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 Smartstyle businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Smartstyle 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. Live Oak Banking Company funds the most. CapBench is not a lender.

$600K typical Smartstyle loan
0% failure rate (FY20–23)
10 lenders fund the brand
22 days typical to fund

Buyers researching a Smartstyle 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 Smartstyle 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/smartstyle
API:: https://www.capbench.com/api/public/lenders?franchise=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.