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
$1,464/mo
Typical payment
~12.5% · 10yr
$20,203/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 ~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 · Florida
Ranked by funded nail salons acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public nail salons loan history in Florida to rank lenders yet. See nail salons lenders nationwide →
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. 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 2026-06-17.
- 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.