Lender intelligence
Financing a nail salons acquisition in Florida
The SBA 7(a) lenders funding the most nail salons acquisitions in Florida, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance nail salons in Florida
$100K
Typical loan
range $92K–$450K
$111K
Est. purchase price
≈ loan ÷ 90%
$14,311
Cash to close
$11,111 down + fees
$1,478/mo
Typical payment
~12.75% · 10yr
$20,396/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
14 days
Typical time to fund
5
Lenders competing
more = leverage
8.17%
Avg rate on record
cap ~10.00%
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 · Florida
Ranked by funded nail salons acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.15 loans · $13M · Flowood, MSFull record →
- 2.284 loans · $254M · Cincinnati, OHFull record →
- 3.5 loans · $4M · Fort Lauderdale, FLFull record →
- 4.62 loans · $21M · Saint Cloud, MNFull record →
- 5.242 loans · $281M · Chicago, ILFull record →
5+ funded Nail Salons in Florida 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.
- Pamper Me Nail & Spa in North Miami Beach, FL — $450K (2024) · purchase · Locality Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 110 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 20 days
- Approved
- 2/17/2024
- First disbursed
- 3/8/2024
- Loan status
- In workout — SBA bought the guarantee
- 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
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $6,574
- Annual debt service
- $79K
- Cash flow needed (1.25×)
- $99K
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 Locality Bank · Lender record →
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- Nails and Hair Studio, LLC in Mary Esther, FL — $92K (2024) · purchase · Community Bank of Mississippi
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $78K (85%)
- Approved
- 7/10/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $102K
- Est. down payment (10%)
- $10K
- Est. cash at closing
- $13K
- Monthly payment
- $1,190
- Annual debt service
- $14K
- Cash flow needed (1.25×)
- $18K
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 Community Bank of Mississippi · Lender record →
Your business? Claim this record · Request removal
- H and L nails spa inc in Boca Raton, FL — $560K (2021) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $504K (90%)
- Approval → funding
- 14 days
- Approved
- 9/16/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Jobs supported
- 33
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $622K
- Est. down payment (10%)
- $62K
- Est. cash at closing
- $83K
- Monthly payment
- $6,217
- 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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Gypsy Nails LLC in Winter Park, FL — $100K (2021) · purchase · Fifth Third Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.58% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 0 days
- Approved
- 11/9/2020
- First disbursed
- 11/9/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,489
- Annual debt service
- $18K
- Cash flow needed (1.25×)
- $22K
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 Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
- KC NAILS OF JAX LLC in Green Cove Springs, FL — $56K (2020) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $48K (85%)
- Approval → funding
- 1 days
- Approved
- 12/30/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (2/28/2022)
- 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
- $62K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $8K
- Monthly payment
- $665
- Annual debt service
- $8K
- Cash flow needed (1.25×)
- $10K
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 Stearns Bank National Association · 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 with a Florida project address.
Agent summary
How to finance a nail salons acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. Community Bank of Mississippi funds the most here. CapBench is not a lender.
- $265K typical loan
- 5 lenders active in Florida
- 5+ funded Florida deals
- 14 days typical to fund
Buyers buying a nail salons in Florida typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-12.
- 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.