Beauty & Personal Care · lender intelligence

Financing a nail salons acquisition

State:

The SBA 7(a) lenders funding the most nail salons acquisitions, ranked from public loan records — typical deal about $265K. A lender doing your industry every week underwrites faster and prices sharper.

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

$350K

Typical loan

range $180K–$800K

$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

98.4%

Still performing

1.6% default · FY20–23

18 days

Typical time to fund

Lenders competing

more = leverage

8.51%

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 nail salons

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

1.18 loans · $20M · Fort Lee, NJFull record →
2.242 loans · $281M · Chicago, ILFull record →
3.274 loans · $315M · Los Angeles, CAFull record →
4.2,539 loans · $965M · Columbus, OHFull record →
5.116 loans · $120M · Evansville, INFull record →
6.11 loans · $7M · Flushing, NYFull record →
7.75 loans · $98M · Sioux Falls, SDFull record →
8.3,264 loans · $846M · Miami, FLFull record →
9.62 loans · $21M · Saint Cloud, MNFull record →
10.318 loans · $229M · Osage Beach, MOFull record →
11.105 loans · $72M · Wilmington, DEFull record →
12.1,296 loans · $1.4B · Wilmington, NCFull record →
13.168 loans · $205M · Fishers, INFull record →
14.139 loans · $102M · Los Angeles, CAFull record →
15.18 loans · $24M · Madison, WIFull record →
16.112 loans · $112M · Irving, TXFull record →
17.57 loans · $74M · Winston-Salem, NCFull record →
18.85 loans · $148M · Los Angeles, CAFull record →
19.23 loans · $15M · Sparta, MIFull record →
20.2 loans · $0M · Pine Bluff, ARFull record →
21.60 loans · $130M · Doraville, GAFull record →
22.32 loans · $54M · Tupelo, MSFull record →
23.39 loans · $31M · Duluth, GAFull record →
24.284 loans · $254M · Cincinnati, OHFull record →
25.2 loans · $0M · Storm Lake, IAFull record →

112+ funded nail 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.

MODERN NAILS BAR B&C, LLC in Princeton, TX — $1.4M (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approved
3/20/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$159K
Est. cash at closing
$218K
Monthly payment
$18,504
Annual debt service
$222K
Cash flow needed (1.25×)
$278K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Greka Business Enterprises LLC in Keller, TX — $1.4M (2026) · purchase · TowneBank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approved
2/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$157K
Est. cash at closing
$215K
Monthly payment
$18,258
Annual debt service
$219K
Cash flow needed (1.25×)
$274K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
BOND BEAUTY & NAILS in Howell, NJ — $1.1M (2026) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$788K (75%)
Approved
12/10/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$117K
Est. cash at closing
$160K
Monthly payment
$13,731
Annual debt service
$165K
Cash flow needed (1.25×)
$206K
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 Merchants Bank · Lender record →
Your business? Claim this record · Request removal
apexrise L.L.C. in Tulsa, OK — $819K (2026) · purchase · The Fidelity Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$614K (75%)
Approved
2/8/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$910K
Est. down payment (10%)
$91K
Est. cash at closing
$125K
Monthly payment
$10,375
Annual debt service
$124K
Cash flow needed (1.25×)
$156K
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 Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
MILK TREE NAIL SPA LLC in Annapolis, MD — $365K (2026) · purchase · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$274K (75%)
Approved
1/8/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$406K
Est. down payment (10%)
$41K
Est. cash at closing
$54K
Monthly payment
$4,624
Annual debt service
$55K
Cash flow needed (1.25×)
$69K
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 Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
Essence Beauty Spa Inc. in Commack, NY — $320K (2026) · purchase · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
28 days
Approved
1/29/2026
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$356K
Est. down payment (10%)
$36K
Est. cash at closing
$48K
Monthly payment
$3,882
Annual debt service
$47K
Cash flow needed (1.25×)
$58K
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 Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
Marble Nail & Spa LLC in Marble Falls, TX — $150K (2026) · purchase · Accion Opportunity Fund Community Development
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
2 days
Approved
11/24/2025
First disbursed
11/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,024
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Accion Opportunity Fund Community Development · Lender record →
Your business? Claim this record · Request removal
Jaa Nail & Spa Inc in Ramsey, NJ — $135K (2026) · purchase · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$101K (75%)
Approved
1/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$150K
Est. down payment (10%)
$15K
Est. cash at closing
$19K
Monthly payment
$1,638
Annual debt service
$20K
Cash flow needed (1.25×)
$25K
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 Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
BEAUTY & BEAST CONCEPTS INC. in Gilbert, AZ — $2.1M (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
22 days
Approved
11/14/2024
First disbursed
12/6/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
34
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$235K
Est. cash at closing
$324K
Monthly payment
$28,539
Annual debt service
$342K
Cash flow needed (1.25×)
$428K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
S & R Beauty, LLC in Scottsdale, AZ — $1.3M (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$977K (75%)
Approval → funding
18 days
Approved
7/3/2025
First disbursed
7/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$145K
Est. cash at closing
$198K
Monthly payment
$17,206
Annual debt service
$206K
Cash flow needed (1.25×)
$258K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
198 Bella Nails Inc in Perth Amboy, NJ — $1.3M (2025) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$938K (75%)
Approval → funding
78 days
Approved
7/1/2025
First disbursed
9/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
49
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$139K
Est. cash at closing
$190K
Monthly payment
$10,490
Annual debt service
$126K
Cash flow needed (1.25×)
$157K
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
Global Adventure Group LLC in Arlington, TX — $881K (2025) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$660K (75%)
Approved
9/15/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,881
Annual debt service
$143K
Cash flow needed (1.25×)
$178K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
AIGI INC in Argyle, TX — $845K (2025) · purchase · Security National Bank of Omaha
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$634K (75%)
Approval → funding
7 days
Approved
1/24/2025
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$939K
Est. down payment (10%)
$94K
Est. cash at closing
$129K
Monthly payment
$10,934
Annual debt service
$131K
Cash flow needed (1.25×)
$164K
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 Security National Bank of Omaha · Lender record →
Your business? Claim this record · Request removal
Cozy Holdings LLC in Plano, TX — $816K (2025) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$612K (75%)
Approval → funding
13 days
Approved
9/17/2025
First disbursed
9/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$907K
Est. down payment (10%)
$91K
Est. cash at closing
$124K
Monthly payment
$10,784
Annual debt service
$129K
Cash flow needed (1.25×)
$162K
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
Newcore Partners LLC in Mountain View, CA — $684K (2025) · purchase · FFB Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$513K (75%)
Approval → funding
11 days
Approved
1/13/2025
First disbursed
1/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$760K
Est. down payment (10%)
$76K
Est. cash at closing
$102K
Monthly payment
$8,851
Annual debt service
$106K
Cash flow needed (1.25×)
$133K
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 FFB Bank · Lender record →
Your business? Claim this record · Request removal
Andrew & Kelly Bella Nails MP LLC in Monterey Park, CA — $654K (2025) · purchase · 22nd State Bank, A Division of 22nd State Banking Company
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$491K (75%)
Approval → funding
9 days
Approved
9/30/2025
First disbursed
10/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$727K
Est. down payment (10%)
$73K
Est. cash at closing
$97K
Monthly payment
$8,733
Annual debt service
$105K
Cash flow needed (1.25×)
$131K
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 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
Dream Spa in Austin, TX — $552K (2025) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$414K (75%)
Approval → funding
10 days
Approved
9/30/2025
First disbursed
10/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$613K
Est. down payment (10%)
$61K
Est. cash at closing
$82K
Monthly payment
$7,371
Annual debt service
$88K
Cash flow needed (1.25×)
$111K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Huynhcong LLC in Sunnyvale, TX — $545K (2025) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$409K (75%)
Approval → funding
7 days
Approved
6/24/2025
First disbursed
7/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$606K
Est. down payment (10%)
$61K
Est. cash at closing
$81K
Monthly payment
$7,278
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Majestic Nails & Day Spa in Asheville, NC — $486K (2025) · purchase · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$365K (75%)
Approval → funding
72 days
Approved
1/28/2025
First disbursed
4/10/2025
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Nail Salons
If you were the buyer here
Est. deal size
$540K
Est. down payment (10%)
$54K
Est. cash at closing
$72K
Monthly payment
$6,490
Annual debt service
$78K
Cash flow needed (1.25×)
$97K
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
Elite Nailed It Fanwood LLC in Fanwood, NJ — $480K (2025) · purchase · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approval → funding
53 days
Approved
10/28/2024
First disbursed
12/20/2024
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
Nail Salons
If you were the buyer here
Est. deal size
$533K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$6,211
Annual debt service
$75K
Cash flow needed (1.25×)
$93K
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 New Millennium 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 nail salons businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a nail 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. New Millennium Bank funds the most. CapBench is not a lender.

$265K typical loan
56 lenders fund the industry
1.6% default (FY20–23)
18 days typical to fund

Buyers researching a nail 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/nail-salons
API:: https://www.capbench.com/api/public/lenders?industry=nail-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.