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.

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
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

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
27%
$50K - $150K
25%
$150K - $350K
21%
$350K - $1M
17%
$1M - $2M
7%
Over $2M
3%

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Automotive Parts and Accessories Stores2,779 · $181,100 Beer, Wine, and Liquor Retailers2,760 · $500,000

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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