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NAICS 446120 · Retail
SBA loans for cosmetics, beauty supplies, and perfume stores
1,558 SBA loans worth $518.9M have been approved in this industry since FY2010 - the #144 most-financed NAICS code in the country.
Median loan
$125,000
-31% vs all industries
Typical range
$15K-$935K
Middle 80%
Median rate
6.25%
7(a) initial note rate
Median term
10 yr
Charge-off rate
11.8%
vs 7.6% all industries
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
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Metro City Bank | 89 | $56.3M | |
| Bank of Hope | 154 | $30.4M | |
| JPMorgan Chase Bank | 120 | $29.7M | |
| Wells Fargo Bank | 115 | $25.2M | |
| PCB Bank | 31 | $17.4M | |
| PromiseOne Bank | 26 | $16.8M | |
| U.S. Bank | 79 | $16.1M | |
| Mortgage Capital Development Corporation | 9 | $13.1M | |
| Hanmi Bank | 21 | $12.8M | |
| Woori America Bank | 18 | $12.8M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 273 | |
| Texas | 165 | |
| New York | 163 | |
| Georgia | 119 | |
| Illinois | 88 | |
| New Jersey | 81 | |
| Florida | 77 | |
| Ohio | 60 |
An SBA 7(a) lender for loans this size
74% of the SBA loans approved in cosmetics, beauty supplies, and perfume stores since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K27%
- $50K - $150K25%
- $150K - $350K21%
- $350K - $1M17%
- $1M - $2M7%
- Over $2M3%
Franchise brands in Cosmetics, Beauty Supplies, and Perfume Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Merle Norman Cosmetics | 23 | $2.1M | |
| Armstrong McCall | 15 | $9.9M | |
| Merle Norman | 5 | $475K | |
| Buff City Soap | 5 | $1.4M | |
| Amazing Lash Studio | 3 | $1.1M | |
| Menchie's | 2 | $544K | |
| Pearle Vision Center | 1 | $739K | |
| Great Clips | 1 | $35K | |
| Waxing the City | 1 | $40K | |
| The Lash Lounge | 1 | $483K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
Common questions
- How much do SBA lenders typically lend to a cosmetics, beauty supplies, and perfume stores business?
- The median SBA approval in NAICS 446120 is $125,000, with the middle 80% of loans between $15,000 and $935,000. Across all industries the median is $180,000.
- Which lenders are most active in cosmetics, beauty supplies, and perfume stores?
- By dollars approved: Metro City Bank, Bank of Hope, JPMorgan Chase Bank, Wells Fargo Bank, PCB Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is cosmetics, beauty supplies, and perfume stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.8% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.
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