Beauty & Personal Care · lender intelligence

How to finance a Smartstyle in Ohio

State:

The SBA 7(a) lenders funding the most Smartstyle deals in Ohio, from public loan records — typical Smartstyle loan about $600K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Smartstyle in Ohio

$600K

Typical loan

range $150K–$2.20M

$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

65 days

Typical time to fund

Lenders competing

more = leverage

6.47%

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 Smartstyle in Ohio

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

3+ funded Smartstyle in Ohio 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.

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
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 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 in Ohio? Start with a lender that funds them here

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

Free · No documents · Usually same-day

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 Smartstyle loans with a Ohio project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Smartstyle purchase in Ohio with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Ohio deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$600K typical Smartstyle loan
2 lenders active in Ohio
3+ funded Ohio deals
65 days typical to fund

Buyers buying a Smartstyle in Ohio 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

Pre-qualify this deal Talk to a loan broker All Smartstyle lenders

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/ohio
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.