Beauty & Personal Care · lender intelligence
How to finance a Supercuts
The SBA 7(a) lenders funding the most Supercuts deals, ranked from public loan records — typical Supercuts loan about $250K, 0% failure rate across 27 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Supercuts
$250K
Typical loan
range $180K–$688K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
19
Lenders competing
more = leverage
7.77%
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 Supercuts
Ranked by funded Supercuts 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 →
- 2.22 loans · $20M · Little Rock, ARFull record →
- 3.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 4.318 loans · $229M · Osage Beach, MOFull record →
- 5.499 loans · $106M · Los Angeles, CAFull record →
- 6.62 loans · $21M · Saint Cloud, MNFull record →
- 7.149 loans · $135M · Mukwonago, WIFull record →
- 8.66 loans · $68M · Milford, IAFull record →
- 9.4 loans · $2M · Dallas, TXFull record →
- 10.168 loans · $205M · Fishers, INFull record →
- 11.20 loans · $8M · Saint Petersburg, FLFull record →
- 12.34 loans · $57M · Charlotte, NCFull record →
- 13.62 loans · $34M · Winter Haven, FLFull record →
- 14.2,539 loans · $965M · Columbus, OHFull record →
- 15.1 loans · $0M · St. Louis, MOFull record →
- 16.105 loans · $72M · Wilmington, DEFull record →
27+ funded Supercuts 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.
- Cutters, Inc. in Springfield, MO — $1.4M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 43
- Business age
- Existing or more than 2 years old
- Industry
- Barber Shops
Funded by Live Oak Banking Company · Lender record →
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- F.P.C. HOLDING COMPANY dba Supercuts in Manhattan Beach, CA — $250K (2026) · Lendistry SBLC, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 9 days
- Approved
- 11/24/2025
- First disbursed
- 12/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Barber Shops
Funded by Lendistry SBLC, LLC · Lender record →
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- MCSISTERS LLC in Seminole, FL — $50K (2026) · Stearns Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 18 days
- Approved
- 1/30/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Stearns Bank National Association · Lender record →
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- Barbershop Services Inc in Old Bridge, NJ — $688K (2025) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.26% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $516K (75%)
- Approval → funding
- 69 days
- Approved
- 5/29/2025
- First disbursed
- 8/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by Bank of America, National Association · Lender record →
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- Cutters, Inc. in Springfield, MO — $400K (2025) · Encore Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 35 days
- Approved
- 5/22/2025
- First disbursed
- 6/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Encore Bank · Lender record →
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- H3 Company, LLC in Colorado Springs, CO — $304K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $228K (75%)
- Approved
- 1/17/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 49
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Readycap Lending, LLC · Lender record →
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- Cutters, Inc. in Ponte Vedra, FL — $183K (2025) · purchase · Encore Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $137K (75%)
- Approval → funding
- 15 days
- Approved
- 7/16/2025
- First disbursed
- 7/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $203K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $2,364
- Annual debt service
- $28K
- Cash flow needed (1.25×)
- $35K
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 Encore Bank · Lender record →
Your business? Claim this record · Request removal
- Supercuts in Roseville, CA — $50K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 14% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $43K (85%)
- Approval → funding
- 10 days
- Approved
- 2/25/2025
- First disbursed
- 3/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Readycap Lending, LLC · Lender record →
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- Dirich Enterprises, LLC in Farmington, UT — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 7 days
- Approved
- 11/29/2023
- First disbursed
- 12/6/2023
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by BayFirst National Bank · Lender record →
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- Cost Cutters in Pleasanton, VA — $1.2M (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 40 days
- Approved
- 1/20/2023
- First disbursed
- 3/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 202
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $133K
- Est. cash at closing
- $183K
- Monthly payment
- $14,878
- Annual debt service
- $179K
- Cash flow needed (1.25×)
- $223K
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
- Supercuts in Reno, NV — $615K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $461K (75%)
- Approval → funding
- 2 days
- Approved
- 7/5/2022
- First disbursed
- 7/7/2022
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 42
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- GILSAN VENTURES, LLC in Pleasanton, CA — $528K (2022) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $396K (75%)
- Approval → funding
- 12 days
- Approved
- 5/20/2022
- First disbursed
- 6/1/2022
- Loan status
- Paid in full (12/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by First Internet Bank of Indiana · Lender record →
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- BEN & MIKE CORPORATION in Mcallen, TX — $725K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $544K (75%)
- Approved
- 10/20/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 130
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $806K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $110K
- Monthly payment
- $7,779
- Annual debt service
- $93K
- Cash flow needed (1.25×)
- $117K
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
- SUPERCUTS in Mcallen, TX — $725K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $544K (75%)
- Approval → funding
- 76 days
- Approved
- 10/20/2020
- First disbursed
- 1/4/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 130
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $806K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $110K
- Monthly payment
- $7,779
- Annual debt service
- $93K
- Cash flow needed (1.25×)
- $117K
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
- Leake Enterprises LLC in Cypress, TX — $250K (2021) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (90%)
- Approval → funding
- 27 days
- Approved
- 6/17/2021
- First disbursed
- 7/14/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by Wilmington Savings Fund Society FSB · Lender record →
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- POBI & BOSE SALONS, LLC in Salem, OR — $218K (2021) · America First FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $196K (90%)
- Approval → funding
- 90 days
- Approved
- 8/2/2021
- First disbursed
- 10/31/2021
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by America First FCU
Your business? Claim this record · Request removal
- Merriam Group LLC in Eureka, CA — $200K (2021) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $180K (90%)
- Approval → funding
- 6 days
- Approved
- 2/22/2021
- First disbursed
- 2/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- 5FI LLC in Emporia, KS — $1.4M (2020) · Sunflower Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 13 days
- Approved
- 9/10/2020
- First disbursed
- 9/23/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Super SFL LLC in Weston, FL — $720K (2020) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.08% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $540K (75%)
- Approval → funding
- 15 days
- Approved
- 10/16/2019
- First disbursed
- 10/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 73
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
- Strios Group LLC in Harrisville, UT — $285K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $214K (75%)
- Approved
- 2/21/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $317K
- Est. down payment (10%)
- $32K
- Est. cash at closing
- $42K
- Monthly payment
- $3,346
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $50K
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
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Supercuts businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Supercuts 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.
- $250K typical Supercuts loan
- 0% failure rate (FY20–23)
- 19 lenders fund the brand
- 27 days typical to fund
Buyers researching a Supercuts 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.
- 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.
- 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.