How much do SBA lenders typically lend to a cosmetics, beauty supplies, and perfume retailers business?

The median SBA approval in NAICS 456120 is $150,000, with the middle 80% of loans between $25,000 and $1,150,000. Across all industries the median is $180,000.

Which lenders are most active in cosmetics, beauty supplies, and perfume retailers?

By dollars approved: Metro City Bank, Bank of Hope, Newtek Bank, PCB Bank, The Huntington National 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.

NAICS 456120 · Retail

SBA loans for cosmetics, beauty supplies, and perfume retailers

785 SBA loans worth $341.6M have been approved in this industry since FY2010 - the #241 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.1M

Middle 80%

Median rate

10.50%

7(a) initial note rate

Median term

10 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

Most active in this industry

Lender	Loans	Approved
Metro City Bank	21	$29.6M
Bank of Hope	42	$23.0M
Newtek Bank	42	$14.0M
PCB Bank	10	$13.2M
The Huntington National Bank	40	$12.7M
Readycap Lending, LLC	39	$11.2M
Loyal Trust Bank	8	$9.8M
FinWise Bank	4	$8.3M
Woori America Bank	12	$7.1M
Hanmi Bank	10	$6.5M

Geography

Where these loans were made

State	Loans	Share
California	131
New York	82
Florida	76
Texas	65
Georgia	63
New Jersey	35
Ohio	24
Illinois	21

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
24%
$150K - $350K
25%
$350K - $1M
18%
$1M - $2M
6%
Over $2M
5%

Nearby

Other retail industries

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a cosmetics, beauty supplies, and perfume retailers business?: The median SBA approval in NAICS 456120 is $150,000, with the middle 80% of loans between $25,000 and $1,150,000. Across all industries the median is $180,000.
Which lenders are most active in cosmetics, beauty supplies, and perfume retailers?: By dollars approved: Metro City Bank, Bank of Hope, Newtek Bank, PCB Bank, The Huntington National 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.

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