SBA Loans for Beauty Salons
25,737 SBA loans have funded beauty salons nationwide, averaging $141K across 1,626 active SBA lenders, at an average note rate of 7.8%. SBA 7(a) loans up to $5M fund acquiring a salon or suite business and chairs, stations, and equipment; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a salon.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 812112), 2000 to present.
25,737
SBA Loans Funded
$141K
Average Loan
7.8%
Avg Note Rate
9 yrs
Avg Term
1,626
Active Lenders
17.8%
Charge-Off Rate (resolved-loan basis)
What beauty salons use SBA loans for
Where beauty salons get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 2,415 | $430.7M |
| Texas | 2,044 | $370.3M |
| New York | 1,982 | $207.6M |
| Florida | 1,299 | $228.8M |
| Ohio | 1,292 | $141.0M |
SBA lenders active with beauty salons
Ranked by real SBA funding activity in California, the top state for beauty salons. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a salon.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a salon, anywhere in the US.
SBA 7(a) / 504, Beauty Salons: Response within 24–48 hours. No obligation.
How beauty salons qualify for an SBA loan
SBA 7(a) loans are the most common path for beauty salons financing acquiring a salon or suite business. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 25,737 loans on record across 1,626 lenders and a 17.8% historical charge-off rate, beauty salons are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.