How much do lenders finance for a Salons by JC franchise?

The median SBA loan approved for a Salons by JC franchise is $535,500, with the middle 80% of loans between $380,000 and $877,400. 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 Salons by JC franchises?

By dollars approved, the most active SBA lenders for Salons by JC have been First Federal Bank, Wells Fargo Bank, Celtic Bank Corporation, The Huntington National 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 Salons by JC SBA loans?

The median term is 10.2 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 Salons by JC franchise

SBA lenders have approved 22 loans against the Salons by JC brand since FY2010, totalling $12.8M. The median approval was $535,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#917

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$535,500

Typical range

$380K-$877K

Middle 80% of loans

Median term

10.2 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 Salons by JC

Lender	Loans	Approved
First Federal Bank	7	$5.2M
Wells Fargo Bank	6	$3.9M
Celtic Bank Corporation	2	$972K
The Huntington National Bank	1	$595K
PlainsCapital Bank	1	$487K
Stearns Bank	1	$454K
Merchants & Marine Bank	1	$404K
Titan Bank	1	$380K

Geography

Where Salons by JC units were financed

State	Loans	Share
Texas	7
Georgia	5
Illinois	2
Alabama	1
Tennessee	1
Arizona	1
California	1
North Carolina	1

Approvals by fiscal year

’12

’13

’14

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
5%
$350K - $1M
95%

Financing a Salons by JC: common questions

How much do lenders finance for a Salons by JC franchise?: The median SBA loan approved for a Salons by JC franchise is $535,500, with the middle 80% of loans between $380,000 and $877,400. 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 Salons by JC franchises?: By dollars approved, the most active SBA lenders for Salons by JC have been First Federal Bank, Wells Fargo Bank, Celtic Bank Corporation, The Huntington National 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 Salons by JC SBA loans?: The median term is 10.2 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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