Beauty & Personal Care · lender intelligence
How to finance a The Ten Spot
The SBA 7(a) lenders funding the most The Ten Spot deals, ranked from public loan records — typical The Ten Spot loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance The Ten Spot
$350K
Typical loan
range $288K–$450K
$389K
Est. purchase price
≈ loan ÷ 90%
$52,014
Cash to close
$38,889 down + fees
$4,821/mo
Typical payment
~11% · 10yr
$66,530/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
61 days
Typical time to fund
5
Lenders competing
more = leverage
7.14%
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 The Ten Spot
Ranked by funded The Ten Spot loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.79 loans · $53M · Gulfport, MSFull record →
- 3.4 loans · $5M · Atlanta, GAFull record →
- 4.4 loans · $2M · Ogallala, NEFull record →
- 5.9 loans · $13M · Atlanta, GAFull record →
7+ funded The Ten Spot 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.
- The GC Beauty Bar in Gulfport, MS — $450K (2024) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 35 days
- Approved
- 8/28/2024
- First disbursed
- 10/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- The GC Beauty Bar in Gulfport, MS — $450K (2024) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approved
- 12/15/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- Long Island Beauty Bar Inc. in Huntington, NY — $414K (2021) · Ameris Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 124 months
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 94 days
- Approved
- 10/30/2020
- First disbursed
- 2/1/2021
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
- JENNFIRE & CO. in Austin, TX — $350K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 16 days
- Approved
- 2/12/2021
- First disbursed
- 2/28/2021
- 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
- Beauty Salons
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JENNFIRE & CO. in Austin, TX — $295K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $221K (75%)
- Approved
- 12/10/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Tenfold Collective Corporation in Atlanta, GA — $288K (2021) · Georgia Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 117 months
- SBA guaranteed
- $216K (75%)
- Approved
- 12/15/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by Georgia Banking Company · Lender record →
Your business? Claim this record · Request removal
- les and mar beauty bar l.l.c. in Fort Collins, CO — $275K (2021) · Adams Bank & Trust
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% fixed
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $138K (50%)
- Approval → funding
- 61 days
- Approved
- 2/7/2021
- First disbursed
- 4/9/2021
- Loan status
- Paid in full (5/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Nail Salons
Funded by Adams Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Buying a The Ten Spot? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to The Ten Spot businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a The Ten Spot 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $350K typical The Ten Spot loan
- 5 lenders fund the brand
- 61 days typical to fund
Buyers researching a The Ten Spot 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.