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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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).
Is SBA Lending Growing for Cosmetics, Beauty Supplies, and Perfume Stores?-75% decline
Which SBA Program Do Cosmetics, Beauty Supplies, and Perfume Stores Businesses Use Most?
What Is the Best SBA Loan for Cosmetics, Beauty Supplies, and Perfume Stores?
The most widely used SBA program for cosmetics, beauty supplies, and perfume stores businesses — flexible terms, multiple use cases
Where Are Cosmetics, Beauty Supplies, and Perfume Stores SBA Loans Most Common?
Top SBA Lenders for Cosmetics, Beauty Supplies, and Perfume Stores
These banks have funded the most SBA loans for cosmetics, beauty supplies, and perfume stores businesses (NAICS 446120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 759 | $57.5M |
| 2 | Bank of America, National Association(NC) | 292 | $15.0M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 190 | $32.1M |
| 4 | U.S. Bank, National Association(OH) | 174 | $21.0M |
| 5 | Wells Fargo Bank National Association(SD) | 170 | $32.4M |
Cosmetics, Beauty Supplies, and Perfume Stores Industry Context
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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.
PeerSense specializes in matching cosmetics, beauty supplies, and perfume stores 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. No retainers.
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?
Which SBA loan program is best for a cosmetics, beauty supplies, and perfume stores business?
How many lenders fund SBA loans for cosmetics, beauty supplies, and perfume stores?
What states have the most SBA lending for cosmetics, beauty supplies, and perfume stores?
How does PeerSense help cosmetics, beauty supplies, and perfume stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Cosmetics, Beauty Supplies, and Perfume Stores defined by NAICS code 446120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.