Lender intelligence
Financing a nail salons acquisition in New Jersey
The SBA 7(a) lenders funding the most nail salons acquisitions in New Jersey, 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 New Jersey
$250K
Typical loan
range $150K–$350K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
20 days
Typical time to fund
8
Lenders competing
more = leverage
8.03%
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 · New Jersey
Ranked by funded nail salons acquisitions in New Jersey. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.18 loans · $20M · Fort Lee, NJFull record →
- 2.85 loans · $148M · Los Angeles, CAFull record →
- 3.88 loans · $96M · Muncie, INFull record →
- 4.3,264 loans · $846M · Miami, FLFull record →
- 5.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 6.139 loans · $102M · Los Angeles, CAFull record →
- 7.11 loans · $7M · Flushing, NYFull record →
17+ funded Nail Salons in New Jersey 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.
- 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 →
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- 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
- 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 →
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- 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
- New Polish Nails Inc in Berkeley Heights, NJ — $300K (2025) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 31 days
- Approved
- 7/25/2025
- First disbursed
- 8/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,800
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $57K
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
- Nail 21 in Denville, NJ — $160K (2025) · purchase · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $120K (75%)
- Approved
- 12/16/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $178K
- Est. down payment (10%)
- $18K
- Est. cash at closing
- $24K
- Monthly payment
- $2,181
- Annual debt service
- $26K
- Cash flow needed (1.25×)
- $33K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Charis Nails 2 Corporation in East Brunswick, NJ — $320K (2024) · purchase · Hanmi Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 17 days
- Approved
- 6/21/2024
- First disbursed
- 7/8/2024
- 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
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,318
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
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 Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
- Charis Nails 2 Corporation in Freehold, NJ — $280K (2023) · purchase · NewBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $238K (85%)
- Approved
- 5/18/2023
- 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
- $311K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $42K
- Monthly payment
- $3,662
- 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 NewBank · Lender record →
Your business? Claim this record · Request removal
- Randolph Nails & Spa Inc in Randolph, NJ — $150K (2023) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 11/15/2022
- Loan status
- Cancelled
- 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
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,820
- Annual debt service
- $22K
- Cash flow needed (1.25×)
- $27K
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
- LYS EAGLES LLC in Clark, NJ — $150K (2023) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 20 days
- Approved
- 8/11/2023
- First disbursed
- 8/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- 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
- $1,982
- 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 New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
- Luxury Nail and Spa Woodcliff Lake LLC in Scotch Plains, NJ — $350K (2022) · purchase · New Millennium Bank
- Program
- 7a General
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 6 days
- Approved
- 11/17/2021
- First disbursed
- 11/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $3,670
- 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 New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
- SUMMIT LUSSO NAILS INC in Summit, NJ — $250K (2022) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 4 days
- Approved
- 6/6/2022
- First disbursed
- 6/10/2022
- Loan status
- Paid in full (1/31/2023)
- 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
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,622
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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
- Madison Hill Nail & Spa LLC in Madison, NJ — $200K (2022) · purchase · NewBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 17 days
- Approved
- 4/18/2022
- First disbursed
- 5/5/2022
- Loan status
- Paid in full (2/28/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,121
- Annual debt service
- $25K
- Cash flow needed (1.25×)
- $32K
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 NewBank · Lender record →
Your business? Claim this record · Request removal
- New Bliss Nails & Spa LLC in Westfield, NJ — $100K (2022) · purchase · NewBank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 9 days
- Approved
- 9/26/2022
- First disbursed
- 10/5/2022
- Loan status
- Current
- 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
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,200
- 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 NewBank · Lender record →
Your business? Claim this record · Request removal
- Cuteticles in Jersey City, NJ — $911K (2021) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $820K (90%)
- Approval → funding
- 12 days
- Approved
- 3/19/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (6/30/2022)
- 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
- $1.0M
- Est. down payment (10%)
- $101K
- Est. cash at closing
- $139K
- Monthly payment
- $9,887
- Annual debt service
- $119K
- Cash flow needed (1.25×)
- $148K
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
- Solegil Corporation in Stanhope, NJ — $180K (2020) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 36 days
- Approved
- 1/24/2020
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (3/31/2024)
- 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
- $200K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $2,695
- Annual debt service
- $32K
- Cash flow needed (1.25×)
- $40K
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
- 547 ELITE NAILS INC in Whitehouse Station, NJ — $120K (2020) · purchase · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $102K (85%)
- Approval → funding
- 49 days
- Approved
- 2/11/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (11/30/2020)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Nail Salons
If you were the buyer here
- Est. deal size
- $133K
- Est. down payment (10%)
- $13K
- Est. cash at closing
- $17K
- Monthly payment
- $1,378
- Annual debt service
- $17K
- Cash flow needed (1.25×)
- $21K
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 with a New Jersey project address.
Agent summary
How to finance a nail salons acquisition in New Jersey with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded New Jersey deals. New Millennium Bank funds the most here. CapBench is not a lender.
- $265K typical loan
- 8 lenders active in New Jersey
- 17+ funded New Jersey deals
- 20 days typical to fund
Buyers buying a nail salons in New Jersey 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 2026-06-24.
- 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.