How much do lenders finance for a Merle Norman Cosmetics franchise?

The median SBA loan approved for a Merle Norman Cosmetics franchise is $57,800, with the middle 80% of loans between $25,000 and $150,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Merle Norman Cosmetics franchises?

By dollars approved, the most active SBA lenders for Merle Norman Cosmetics have been PNC Bank, South Georgia Bank, First National Bank of Pennsylvania, Equity Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Merle Norman Cosmetics SBA loans?

The median term is 6.8 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Merle Norman Cosmetics franchise

SBA lenders have approved 27 loans against the Merle Norman Cosmetics brand since FY2010, totalling $2.5M. The median approval was $57,800. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#787

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$57,800

Typical range

$25K-$150K

Middle 80% of loans

Median term

6.8 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Merle Norman Cosmetics

Lender	Loans	Approved
PNC Bank	2	$440K
South Georgia Bank	1	$250K
First National Bank of Pennsylvania	1	$218K
Equity Bank	1	$150K
First Mid Bank & Trust	3	$145K
Wells Fargo Bank	1	$138K
Gibsland Bank & Trust Company	1	$133K
Centennial Bank	1	$130K

Geography

Where Merle Norman Cosmetics units were financed

State	Loans	Share
Illinois	5
Indiana	3
Tennessee	2
Iowa	2
Kansas	2
Louisiana	2
Georgia	2
Texas	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
41%
$50K - $150K
44%
$150K - $350K
11%
$350K - $1M
4%

Financing a Merle Norman Cosmetics: common questions

How much do lenders finance for a Merle Norman Cosmetics franchise?: The median SBA loan approved for a Merle Norman Cosmetics franchise is $57,800, with the middle 80% of loans between $25,000 and $150,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Merle Norman Cosmetics franchises?: By dollars approved, the most active SBA lenders for Merle Norman Cosmetics have been PNC Bank, South Georgia Bank, First National Bank of Pennsylvania, Equity Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Merle Norman Cosmetics SBA loans?: The median term is 6.8 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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