Beauty & Personal Care · lender intelligence

Financing a beauty salons acquisition

State:

The SBA 7(a) lenders funding the most beauty salons acquisitions, ranked from public loan records — typical deal about $250K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance beauty salons

$297K

Typical loan

range $126K–$676K

$330K

Est. purchase price

≈ loan ÷ 90%

$44,138

Cash to close

$33,000 down + fees

$4,091/mo

Typical payment

~11% · 10yr

$56,456/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.0%

Still performing

1% default · FY20–23

21 days

Typical time to fund

154

Lenders competing

more = leverage

7.9%

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 in beauty salons

Ranked by funded beauty salons acquisitions. 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 →
2.2,539 loans · $965M · Columbus, OHFull record →
3.31 loans · $24M · Malvern, PAFull record →
4.62 loans · $34M · Winter Haven, FLFull record →
5.20 loans · $8M · Saint Petersburg, FLFull record →
6.1,927 loans · $207M · Buffalo, NYFull record →
7.31 loans · $11M · Green Bay, WIFull record →
8.19 loans · $5M · Salem, MAFull record →
9.116 loans · $120M · Evansville, INFull record →
10.9 loans · $10M · Warren, PAFull record →
11.868 loans · $362M · Salt Lake City, UTFull record →
12.66 loans · $68M · Milford, IAFull record →
13.79 loans · $53M · Gulfport, MSFull record →
14.2 loans · $0M · Pine Bluff, ARFull record →
15.1 loans · $1M · Lincoln, NEFull record →
16.62 loans · $21M · Saint Cloud, MNFull record →
17.13 loans · $18M · Roseburg, ORFull record →
18.28 loans · $42M · Lehi, UTFull record →
19.618 loans · $171M · Salt Lake City, UTFull record →
20.242 loans · $281M · Chicago, ILFull record →
21.54 loans · $22M · Chubbuck, IDFull record →
22.318 loans · $229M · Osage Beach, MOFull record →
23.575 loans · $220M · De Graff, OHFull record →
24.112 loans · $112M · Irving, TXFull record →
25.57 loans · $74M · Winston-Salem, NCFull record →

320+ funded beauty salons 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.

Lugano Crest, LLC dba Matthew Morris Salon in Denver, CO — $3.6M (2026) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.4M (65%)
Approved
3/20/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
48
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$404K
Est. cash at closing
$559K
Monthly payment
$29,926
Annual debt service
$359K
Cash flow needed (1.25×)
$449K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
METROWEST SALON HOLDINGS CORP. in Acton, MA — $2.8M (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
29 days
Approved
1/27/2026
First disbursed
2/25/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$312K
Est. cash at closing
$430K
Monthly payment
$23,556
Annual debt service
$283K
Cash flow needed (1.25×)
$353K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Winnetka GG, LLC in Winnetka, IL — $1.6M (2026) · purchase · Wintrust Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
12/18/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$183K
Est. cash at closing
$252K
Monthly payment
$19,586
Annual debt service
$235K
Cash flow needed (1.25×)
$294K
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 Wintrust Bank National Association · Lender record →
Your business? Claim this record · Request removal
Kim JP Salon LLC in Euless, TX — $1.2M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$889K (75%)
Approval → funding
27 days
Approved
1/16/2026
First disbursed
2/12/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$132K
Est. cash at closing
$181K
Monthly payment
$15,334
Annual debt service
$184K
Cash flow needed (1.25×)
$230K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
ENVISION AESTHETICS AND WELLNESS GROUP LLC in Kalispell, MT — $968K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$726K (75%)
Approval → funding
17 days
Approved
2/27/2026
First disbursed
3/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$108K
Est. cash at closing
$147K
Monthly payment
$12,526
Annual debt service
$150K
Cash flow needed (1.25×)
$188K
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
ENVISION FOUR LLC. in Hudson, FL — $954K (2026) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$716K (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$145K
Monthly payment
$12,090
Annual debt service
$145K
Cash flow needed (1.25×)
$181K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
WILLOW MEDSPA LLC in Portage, MI — $880K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approved
12/9/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,147
Annual debt service
$134K
Cash flow needed (1.25×)
$167K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
WILLOW MEDSPA LLC in Portage, MI — $880K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approval → funding
17 days
Approved
1/12/2026
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,029
Annual debt service
$132K
Cash flow needed (1.25×)
$165K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Road Angel, Professional LLC in Kalispell, MT — $880K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approved
1/30/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,387
Annual debt service
$137K
Cash flow needed (1.25×)
$171K
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
JSK Enterprises LLC in Fargo, ND — $817K (2026) · purchase · Bell Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$612K (75%)
Approved
3/17/2026
Loan status
Committed
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
$907K
Est. down payment (10%)
$91K
Est. cash at closing
$124K
Monthly payment
$10,234
Annual debt service
$123K
Cash flow needed (1.25×)
$154K
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 Bell Bank · Lender record →
Your business? Claim this record · Request removal
Trim Nulu in Louisville, KY — $717K (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$538K (75%)
Approved
1/21/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$797K
Est. down payment (10%)
$80K
Est. cash at closing
$109K
Monthly payment
$9,083
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Laura Mac Salon in Allen, TX — $575K (2026) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
25 days
Approved
1/23/2026
First disbursed
2/17/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$639K
Est. down payment (10%)
$64K
Est. cash at closing
$85K
Monthly payment
$7,206
Annual debt service
$86K
Cash flow needed (1.25×)
$108K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Deka Lash in Bluffton, GA — $462K (2026) · purchase · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$347K (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$513K
Est. down payment (10%)
$51K
Est. cash at closing
$69K
Monthly payment
$5,728
Annual debt service
$69K
Cash flow needed (1.25×)
$86K
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
Le Salon in Manalapan, FL — $420K (2026) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$315K (75%)
Approved
3/5/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$467K
Est. down payment (10%)
$47K
Est. cash at closing
$62K
Monthly payment
$5,435
Annual debt service
$65K
Cash flow needed (1.25×)
$82K
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 Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
WHOLE HEALTH COLLECTIVE CORP in Rockville Centre, NY — $350K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
2/12/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,386
Annual debt service
$53K
Cash flow needed (1.25×)
$66K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HS Georgia LLC in Atlanta, GA — $315K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.74% variable
Term
120 mo (10 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
7 days
Approved
12/8/2025
First disbursed
12/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$350K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$4,118
Annual debt service
$49K
Cash flow needed (1.25×)
$62K
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
Organics Salon & Spa Inc. in Buda, TX — $306K (2026) · purchase · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$230K (75%)
Approval → funding
7 days
Approved
1/2/2026
First disbursed
1/9/2026
Loan status
Current
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
$340K
Est. down payment (10%)
$34K
Est. cash at closing
$45K
Monthly payment
$3,918
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
K Charles Schertz LLC in Schertz, TX — $287K (2026) · purchase · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$215K (75%)
Approved
1/26/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$319K
Est. down payment (10%)
$32K
Est. cash at closing
$43K
Monthly payment
$3,638
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
K Charles Schertz LLC in Schertz, TX — $287K (2026) · purchase · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$215K (75%)
Approval → funding
5 days
Approved
2/4/2026
First disbursed
2/9/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$319K
Est. down payment (10%)
$32K
Est. cash at closing
$43K
Monthly payment
$3,638
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
Tiny Trims of Perrysburg, LLC in Perrysburg, OH — $213K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$159K (75%)
Approved
3/10/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$236K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,750
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 The Huntington National Bank · 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 acquisition loans to beauty salons businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a beauty salons acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$250K typical loan
154 lenders fund the industry
1% default (FY20–23)
21 days typical to fund

Buyers researching a beauty salons deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/beauty-salons
API:: https://www.capbench.com/api/public/lenders?industry=beauty-salons
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.