Buying a LORDS & LADIES franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 14 7(a) loans to buy an existing LORDS & LADIES (classified mostly as Beauty Salons), totaling $4.3M. The median loan was $215,000, 67% lower than the $645,250 median for all SBA-financed acquisitions.
The purchase agreement decides what you bought, not the loan approval.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of LORDS & LADIES resale loans landed between $25,000 and $597,750.
- Lender experience exists. Customers Bank alone has financed 14 LORDS & LADIES resales.
- Guaranty. The SBA guaranteed 74% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a LORDS & LADIES resale
The median SBA 7(a) loan for a LORDS & LADIES resale was $215,000 across 14 loans (FY2018 to FY2026). Customers Bank has financed the most LORDS & LADIES 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%.
LORDS & LADIES acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 14 | $4.3M | $215,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 LORDS & LADIES 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Lenders financing LORDS & LADIES resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Customers Bank | 14 | 100.0% | $4.3M |
States where LORDS & LADIES units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 14 | 100.0% | $4.3M |
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Questions buyers ask
How much do buyers borrow to buy a LORDS & LADIES franchise?
The median SBA 7(a) loan for a LORDS & LADIES resale was $215,000 across 14 loans (FY2018 to FY2026). The middle half of loans ran from $25,000 to $597,750. 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 LORDS & LADIES acquisitions?
Customers Bank has made the most SBA acquisition loans for LORDS & LADIES (14, 100% of the total).
What interest rate and term do LORDS & LADIES acquisition loans carry?
The average initial rate at approval was 5.46% (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 a LORDS & LADIES resale riskier than other SBA-financed acquisitions?
Too few LORDS & LADIES 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 LORDS & LADIES units being bought with SBA loans?
Pennsylvania (14). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Seller note standby terms and third-party consents are reviewed before closing.
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Related
Brand name as recorded by lenders in the SBA file: "LORDS & LADIES" (franchise code S4499). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.