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NAICS 812199 · Other Services
SBA loans for other personal care services
7,830 SBA loans worth $2.53B have been approved in this industry since FY2010 - the #25 most-financed NAICS code in the country.
Median loan
$175,000
-3% vs all industries
Typical range
$20K-$725K
Middle 80%
Median rate
7.74%
7(a) initial note rate
Median term
10 yr
Charge-off rate
9.9%
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 |
|---|---|---|---|
| The Huntington National Bank | 1,016 | $247.3M | |
| Simmons Bank | 469 | $158.3M | |
| Wells Fargo Bank | 508 | $117.7M | |
| Newtek Bank | 211 | $58.3M | |
| U.S. Bank | 460 | $51.6M | |
| Live Oak Banking Company | 46 | $50.7M | |
| JPMorgan Chase Bank | 262 | $50.7M | |
| Happen Bank | 50 | $45.5M | |
| The Bancorp Bank | 79 | $42.6M | |
| Stearns Bank | 113 | $37.9M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 849 | |
| Texas | 709 | |
| Florida | 593 | |
| New York | 389 | |
| Ohio | 372 | |
| Pennsylvania | 263 | |
| Illinois | 254 | |
| New Jersey | 252 |
An SBA 7(a) lender for loans this size
68% of the SBA loans approved in other personal care services 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 $50K24%
- $50K - $150K21%
- $150K - $350K24%
- $350K - $1M26%
- $1M - $2M4%
- Over $2M2%
Franchise brands in Other Personal Care Services
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| European Wax Center | 297 | $119.4M | |
| Massage Envy | 280 | $149.6M | |
| Hand and Stone Massage and Facial Spa | 94 | $53.6M | |
| Massage Heights | 91 | $33.9M | |
| Waxing the City | 85 | $29.7M | |
| Hand and Stone | 79 | $29.6M | |
| Perspire Sauna Studio | 65 | $24.6M | |
| Massage LuXe | 62 | $29.6M | |
| Woodhouse Day Spa | 57 | $58.9M | |
| Amazing Lash Studio | 57 | $21.3M |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other other services industries
Common questions
- How much do SBA lenders typically lend to a other personal care services business?
- The median SBA approval in NAICS 812199 is $175,000, with the middle 80% of loans between $20,000 and $724,500. Across all industries the median is $180,000.
- Which lenders are most active in other personal care services?
- By dollars approved: The Huntington National Bank, Simmons Bank, Wells Fargo Bank, Newtek Bank, U.S. 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 other personal care services considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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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