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NAICS 446120Retail Trade

How Much Can Cosmetics, Beauty Supplies, and Perfume Stores Businesses Get in SBA Loans?

3,695 SBA loans totaling $690.8M have been approved for cosmetics, beauty supplies, and perfume stores businesses (NAICS 446120). The average approved SBA loan is $187K, which is 45% below avg the $340K national average. 412 active lenders fund this industry with a 27.4% default rate on the matured 2018-2021 loan cohort.

Elevated default risk27.4% vs 15.4% all industry avg

At 27.4%, Cosmetics, Beauty Supplies, and Perfume Stores sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 446120 (Cosmetics, Beauty Supplies, and Perfume Stores) received 3,695 SBA loans worth $690.8M across 5+ states. Average loan $187K, average term 97 months, 27.4% default rate (resolved loan basis).412 active SBA approved lenders fund this industry. Most cosmetics, beauty supplies, and perfume stores loans use the SBA 7(a) program. There are approximately 17,521 U.S. establishments in this industry (Census 2022).

3,695
Total SBA Loans
$690.8M
Total Volume
$187K
Avg Loan Size
45% below avg
412
Active Lenders
97 mo
Avg Term
25% below avg
19,813
Jobs Supported

Is SBA Lending Growing for Cosmetics, Beauty Supplies, and Perfume Stores?-75% decline

137
151
142
147
104
131
60
20
11
5
16
17
18
19
20
21
22
23
24
25
$54.7M
$48.2M
$38.2M
$52.4M
$29.0M
$93.2M
$15.4M
$9.8M
$1.6M
$167K

Which SBA Program Do Cosmetics, Beauty Supplies, and Perfume Stores Businesses Use Most?

SBA 7(a)3,585 (97%)
SBA 504110 (3%)

What Is the Best SBA Loan for Cosmetics, Beauty Supplies, and Perfume Stores?

SBA 7(a)

The most widely used SBA program for cosmetics, beauty supplies, and perfume stores businesses: flexible terms, multiple use cases

Industry avg loan: $187K
Typical term: 97 months
Historical avg rate: 6.86%
412+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 27.4%

Where Are Cosmetics, Beauty Supplies, and Perfume Stores SBA Loans Most Common?

#1
CA
711 loans
$169.8M
#2
TX
371 loans
$85.7M
#3
NY
361 loans
$50.2M
#4
GA
225 loans
$76.2M
#5
NJ
190 loans
$34.5M

SBA Lending Activity in Cosmetics, Beauty Supplies, and Perfume Stores

412 SBA lenders have funded 3,695 loans to cosmetics, beauty supplies, and perfume stores businesses (NAICS 446120). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded
3,695
Active lenders
412
Total volume
$690.8M
Avg loan size
$187K
Browse all SBA lenders

Cosmetics, Beauty Supplies, and Perfume Stores Industry Context

U.S. Establishments
17,521
U.S. Census Bureau · 2022
SBA Penetration
21.09%
SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for cosmetics, beauty supplies, and perfume stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Cosmetics, Beauty Supplies, and Perfume Stores business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?
Where are you in the deal?
Equity or down payment ready
Credit score
Timeline to close
SBA already on the books?
What best describes your company
Liquid funds available outside this deal

Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Cosmetics, Beauty Supplies, and Perfume Stores Businesses?

Across all SBA loan programs, 3,695 loans have been approved for businesses classified under NAICS 446120 (Cosmetics, Beauty Supplies, and Perfume Stores), representing $690.8M in total capital deployed. The average approved loan of $187K is 45% below avg the national SBA average of $340K, with typical repayment terms of 97 months.

SBA lending for cosmetics, beauty supplies, and perfume stores has contracted approximately 75% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 412 lenders remain active, maintaining competitive options for qualified borrowers.

The overwhelming majority of SBA lending for cosmetics, beauty supplies, and perfume stores 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.

Talk to PeerSense about a cosmetics, beauty supplies, and perfume stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

Frequently Asked Questions: Cosmetics, Beauty Supplies, and Perfume Stores SBA Loans

What is the average SBA loan size for cosmetics, beauty supplies, and perfume stores businesses?
Based on 3,695 approved SBA loans, the average loan size for cosmetics, beauty supplies, and perfume stores (NAICS 446120) is $187K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a cosmetics, beauty supplies, and perfume stores business?
SBA 7(a) is the most commonly used SBA program for cosmetics, beauty supplies, and perfume stores businesses. The most widely used SBA program for cosmetics, beauty supplies, and perfume stores businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for cosmetics, beauty supplies, and perfume stores?
412 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a cosmetics, beauty supplies, and perfume stores file.
What states have the most SBA lending for cosmetics, beauty supplies, and perfume stores?
CA leads with 711 SBA loans and $169.8M in total volume for cosmetics, beauty supplies, and perfume stores businesses. TX, NY, GA also show strong lending activity in this sector.
How does PeerSense help cosmetics, beauty supplies, and perfume stores businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a cosmetics, beauty supplies, and perfume stores file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

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Data aggregated from SBA loan records (1992 to 2025). Cosmetics, Beauty Supplies, and Perfume Stores defined by NAICS code 446120. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.