How Much Can Cosmetics, Beauty Supplies, and Perfume Retailers Businesses Get in SBA Loans?
705 SBA loans totaling $311.4M have been approved for cosmetics, beauty supplies, and perfume retailers businesses (NAICS 456120). The average approved SBA loan is $442K, which is 30% above avg the $340K national average. 159 active lenders fund this industry.
NAICS 456120 (Cosmetics, Beauty Supplies, and Perfume Retailers) received 705 SBA loans worth $311.4M across 5+ states. Average loan $442K, average term 135 months.159 active SBA-approved lenders fund this industry. Most cosmetics, beauty supplies, and perfume retailers loans use the SBA 7(a) program.
Is SBA Lending Growing for Cosmetics, Beauty Supplies, and Perfume Retailers?+77% growth
Which SBA Program Do Cosmetics, Beauty Supplies, and Perfume Retailers Businesses Use Most?
What Is the Best SBA Loan for Cosmetics, Beauty Supplies, and Perfume Retailers?
The most widely used SBA program for cosmetics, beauty supplies, and perfume retailers businesses — flexible terms, multiple use cases
Where Are Cosmetics, Beauty Supplies, and Perfume Retailers SBA Loans Most Common?
Top SBA Lenders for Cosmetics, Beauty Supplies, and Perfume Retailers
These banks have funded the most SBA loans for cosmetics, beauty supplies, and perfume retailers businesses (NAICS 456120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 39 | $19.3M |
| 2 | Newtek Bank, National Association(FL) | 37 | $12.9M |
| 3 | Readycap Lending, LLC(NJ) | 35 | $10.3M |
| 4 | The Huntington National Bank(OH) | 34 | $10.8M |
| 5 | TD Bank, National Association(DE) | 33 | $2.2M |
Cosmetics, Beauty Supplies, and Perfume Retailers Industry Context
Ready to Fund Your Cosmetics, Beauty Supplies, and Perfume Retailers Business?
PeerSense places SBA loans for cosmetics, beauty supplies, and perfume retailers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Cosmetics, Beauty Supplies, and Perfume Retailers Businesses?
Across all SBA loan programs, 705 loans have been approved for businesses classified under NAICS 456120 (Cosmetics, Beauty Supplies, and Perfume Retailers), representing $311.4M in total capital deployed. The average approved loan of $442K is 30% above avg the national SBA average of $340K, with typical repayment terms of 135 months.
SBA lending for cosmetics, beauty supplies, and perfume retailers is accelerating — loan volume has grown approximately 77% 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 cosmetics, beauty supplies, and perfume retailers 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 retailers 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 Retailers SBA Loans
What is the average SBA loan size for cosmetics, beauty supplies, and perfume retailers businesses?
Which SBA loan program is best for a cosmetics, beauty supplies, and perfume retailers business?
How many lenders fund SBA loans for cosmetics, beauty supplies, and perfume retailers?
What states have the most SBA lending for cosmetics, beauty supplies, and perfume retailers?
How does PeerSense help cosmetics, beauty supplies, and perfume retailers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Cosmetics, Beauty Supplies, and Perfume Retailers defined by NAICS code 456120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.