How Much Can Beauty Salons Businesses Get in SBA Loans?
25,737 SBA loans totaling $3.6B have been approved for beauty salons businesses (NAICS 812112). The average approved SBA loan is $141K, which is 58% below avg the $340K national average. 1626 active lenders fund this industry with a 17.8% default rate on the matured 2018-2021 loan cohort.
At 17.8%, Beauty Salons sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), above average default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 812112 (Beauty Salons) received 25,737 SBA loans worth $3.6B across 5+ states. Average loan $141K, average term 111 months, 17.8% default rate (resolved-loan basis).1626 active SBA-approved lenders fund this industry. Most beauty salons loans use the SBA 7(a) program. There are approximately 82,964 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Beauty Salons?+39% growth
Which SBA Program Do Beauty Salons Businesses Use Most?
What Is the Best SBA Loan for Beauty Salons?
The most widely used SBA program for beauty salons businesses: flexible terms, multiple use cases
Where Are Beauty Salons SBA Loans Most Common?
Top SBA Lenders for Beauty Salons
These banks have funded the most SBA loans for beauty salons businesses (NAICS 812112). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 1,404 | $67.2M |
| 2 | Wells Fargo Bank National Association(SD) | 1,364 | $197.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 1,343 | $90.8M |
| 4 | The Huntington National Bank(OH) | 1,202 | $127.9M |
| 5 | U.S. Bank, National Association(OH) | 1,058 | $96.4M |
Beauty Salons Industry Context
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How Does SBA Lending Work for Beauty Salons Businesses?
Across all SBA loan programs, 25,737 loans have been approved for businesses classified under NAICS 812112 (Beauty Salons), representing $3.6B in total capital deployed. The average approved loan of $141K is 58% below avg the national SBA average of $340K, with typical repayment terms of 111 months.
SBA lending for beauty salons is accelerating. Loan volume has grown approximately 39% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The overwhelming majority of SBA lending for beauty salons uses the 7(a) program, which provides the most flexibility, covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching beauty salons business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms. Our referral fee is established upfront and paid at closing.
Frequently Asked Questions: Beauty Salons SBA Loans
What is the average SBA loan size for beauty salons businesses?
Which SBA loan program is best for a beauty salons business?
How many lenders fund SBA loans for beauty salons?
What states have the most SBA lending for beauty salons?
How does PeerSense help beauty salons businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Beauty Salons defined by NAICS code 812112. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.