Buying an Elements Massage franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 6 7(a) loans to buy an existing Elements Massage (classified mostly as Other Personal Care Services), totaling $1.9M. The median loan was $302,450, 53% lower than the $645,250 median for all SBA-financed acquisitions. 2 of these loans were approved in the last two fiscal years.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Elements Massage resale loans landed between $183,975 and $424,750.
- Lender experience exists. Numerica CU alone has financed 1 Elements Massage resales.
- Guaranty. The SBA guaranteed 77% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing an Elements Massage resale
The median SBA 7(a) loan for an Elements Massage resale was $302,450 across 6 loans (FY2018 to FY2026). Numerica CU, Beacon Bank and Trust and The Bank of Houston have financed the most Elements Massage resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Elements Massage acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 2 | $610K | $305,000 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 1 | $548K | $548,000 | |
| FY2024 | 1 | $150K | $150,000 | |
| FY2025 | 1 | $286K | $285,900 | |
| FY2026 | 1 | $319K | $319,000 |
How often do these acquisition loans fail?
Fewer than 20 Elements Massage acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
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Lenders financing Elements Massage resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Numerica CU | 1 | 16.7% | $548K | |
| 2 | Beacon Bank and Trust | 1 | 16.7% | $460K | |
| 3 | The Bank of Houston | 1 | 16.7% | $319K | |
| 4 | Celtic Bank Corporation | 1 | 16.7% | $286K | |
| 5 | Magnifi Financial CU | 1 | 16.7% | $150K | |
| 6 | Stearns Bank National Association | 1 | 16.7% | $150K |
States where Elements Massage units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Arizona | 2 | 33.3% | $436K | |
| 2 | Oregon | 1 | 16.7% | $548K | |
| 3 | Pennsylvania | 1 | 16.7% | $460K | |
| 4 | Missouri | 1 | 16.7% | $319K | |
| 5 | Indiana | 1 | 16.7% | $150K |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much do buyers borrow to buy an Elements Massage franchise?
The median SBA 7(a) loan for an Elements Massage resale was $302,450 across 6 loans (FY2018 to FY2026). The middle half of loans ran from $183,975 to $424,750. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Elements Massage acquisitions?
Numerica CU has made the most SBA acquisition loans for Elements Massage (1, 17% of the total). Beacon Bank and Trust, The Bank of Houston, Celtic Bank Corporation follow.
What interest rate and term do Elements Massage acquisition loans carry?
The average initial rate at approval was 9.54% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is an Elements Massage resale riskier than other SBA-financed acquisitions?
Too few Elements Massage acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Elements Massage units being bought with SBA loans?
Arizona (2), Oregon (1), Pennsylvania (1), Missouri (1), Indiana (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Other Personal Care Services acquisitions
- Arizona acquisitions
- Oregon acquisitions
- Pennsylvania acquisitions
- Numerica CU
- Beacon Bank and Trust
- The Bank of Houston
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Elements Massage" (franchise code S0574). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.