How Much Can Nail Salons Businesses Get in SBA Loans?
5,254 SBA loans totaling $741.0M have been approved for nail salons businesses (NAICS 812113). The average approved SBA loan is $141K, which is 59% below avg the $340K national average. 471 active lenders fund this industry with a 23.0% default rate on the matured 2018-2021 loan cohort.
At 23.0%, Nail Salons 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 812113 (Nail Salons) received 5,254 SBA loans worth $741.0M across 5+ states. Average loan $141K, average term 97 months, 23.0% default rate (resolved-loan basis).471 active SBA-approved lenders fund this industry. Most nail salons loans use the SBA 7(a) program.
Is SBA Lending Growing for Nail Salons?+85% growth
Which SBA Program Do Nail Salons Businesses Use Most?
What Is the Best SBA Loan for Nail Salons?
The most widely used SBA program for nail salons businesses — flexible terms, multiple use cases
Where Are Nail Salons SBA Loans Most Common?
Top SBA Lenders for Nail Salons
These banks have funded the most SBA loans for nail salons businesses (NAICS 812113). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 523 | $22.3M |
| 2 | Wells Fargo Bank National Association(SD) | 386 | $31.0M |
| 3 | U.S. Bank, National Association(OH) | 320 | $18.9M |
| 4 | Bank of Hope(CA) | 298 | $31.7M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 286 | $17.3M |
Nail Salons Industry Context
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How Does SBA Lending Work for Nail Salons Businesses?
Across all SBA loan programs, 5,254 loans have been approved for businesses classified under NAICS 812113 (Nail Salons), representing $741.0M in total capital deployed. The average approved loan of $141K is 59% below avg the national SBA average of $340K, with typical repayment terms of 97 months.
SBA lending for nail salons is accelerating — loan volume has grown approximately 85% 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 nail 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 nail 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. No retainers.
Frequently Asked Questions — Nail Salons SBA Loans
What is the average SBA loan size for nail salons businesses?
Which SBA loan program is best for a nail salons business?
How many lenders fund SBA loans for nail salons?
What states have the most SBA lending for nail salons?
How does PeerSense help nail salons businesses get SBA loans?
Related Other Services Industries
General Automotive Repair
Beauty Salons
Drycleaning and Laundry Services (except Coin-Operated)
Automotive Body, Paint, and Interior Repair and Maintenance
Car Washes
All Other Personal Services
Data aggregated from SBA loan records (1992–2025). Nail Salons defined by NAICS code 812113. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.