Image Sun
The total investment to open a Image Sun franchise ranges from $150,000 to $344,500. The initial franchise fee is $61,205. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Image Sun franchise?
Image Sun offers personal care services to customers. Its estimated total initial investment is $150,000 to $344,500. The initial franchise fee is $61,205.
The ongoing royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. Image Sun is headquartered in Shelby Township, MI, and was founded in 1994.
Loan Activity Score
23/100
SBA Default Rate
52.4%
Active Lenders
15
According to its Franchise Disclosure Document or public business records, Image Sun has 21 locations, all owned by franchisees. Public SBA loan records show 15 lenders made 42 loans to franchisees of Image Sun. PeerSense calculates Image Sun's score as 23 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1994 · 21 locations
$150,000 to $344,500
$61,205
21
21 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Image Sun
42
Total SBA loans
$247K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Image Sun
Loan Activity Score Breakdown
Established (25 to 99 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
52.4%
vs 10.8% peer avg
SBA Loans
42
Total Volume
$10.4M
Active Lenders
15
2 selective
States
14
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Image Sun based on SBA lending data
SBA Default Rate
52.4%
41.6% above peer avg
SBA Loan Volume
42 loans
Across 15 lenders
Lender Diversity
15 lenders
Avg 2.8 loans per lender
Investment Tier
Mid range investment
$150,000 to $344,500 total
Image Sun: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2005
17 approvals. The best year on record for Image Sun.
Top SBA State
Michigan
11 SBA financed Image Sun locations, the densest operator footprint.
Average Loan Size
$248K
Median $268K. Use as a sizing anchor when modeling your own Image Sun unit.
Lender Concentration
67.4%
Concentrated
Share of Image Sun approvals captured by the top 3 SBA lenders.
Image Sun's SBA lending pipeline peaked in 2005 (17 approvals). Operator density is highest in Michigan with 11 SBA financed locations. Average funded ticket sits at $248K, with the median at $268K. Lender mix is concentrated: the top three SBA lenders account for 67.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,553
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Image Sun, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman