Cosmetics, Beauty Supplies, and Perfume Retailers: SBA business acquisition loan data
50 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Cosmetics, Beauty Supplies, and Perfume Retailers (NAICS 456120), totaling $28.7M. Median loan $377,500, 41% lower than the all-acquisition median.
Terms signed in the LOI shape the purchase agreement that follows.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $649,950 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #163 of 300 industries tracked.
- Geography. Florida leads with 8 loans; the top five states account for 58% of the industry's acquisitions.
- Jobs. Lenders reported 244 jobs supported across these loans, about 4.9 per acquisition, a rough proxy for the size of business changing hands.
Cosmetics, Beauty Supplies, and Perfume Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 5 | $3.7M | $945,000 | |
| FY2023 | 12 | $3M | $255,000 | |
| FY2024 | 9 | $5.9M | $281,000 | |
| FY2025 | 9 | $7.1M | $500,000 | |
| FY2026 | 15 | $8.9M | $455,000 |
How often do these acquisition loans fail?
Fewer than 20 Cosmetics, Beauty Supplies, and Perfume Retailers 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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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 8 | 16.0% | $6.1M | |
| 2 | Georgia | 7 | 14.0% | $3M | |
| 3 | California | 5 | 10.0% | $3.1M | |
| 4 | Texas | 5 | 10.0% | $2.8M | |
| 5 | Pennsylvania | 4 | 8.0% | $3.3M | |
| 6 | Maryland | 4 | 8.0% | $1.3M | |
| 7 | New Jersey | 2 | 4.0% | $1.3M | |
| 8 | Virginia | 2 | 4.0% | $988K | |
| 9 | Utah | 2 | 4.0% | $165K | |
| 10 | Wisconsin | 2 | 4.0% | $83K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 12.0% | $4.9M | |
| 2 | Metro City Bank | 5 | 10.0% | $2M | |
| 3 | Hanmi Bank | 4 | 8.0% | $2M | |
| 4 | PCB Bank | 2 | 4.0% | $1.1M | |
| 5 | Woori America Bank | 2 | 4.0% | $780K | |
| 6 | PNC Bank, National Association | 2 | 4.0% | $740K | |
| 7 | Bank of Hope | 2 | 4.0% | $545K | |
| 8 | New Millennium Bank | 2 | 4.0% | $470K | |
| 9 | Zions Bancorporation, National Association | 2 | 4.0% | $165K | |
| 10 | Fortifi Bank | 2 | 4.0% | $83K |
Seller note standby terms and third-party consents are reviewed before closing.
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Franchise brands in Cosmetics, Beauty Supplies, and Perfume Retailers
2% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Amazing Lash Studio | 1 | 100.0% | $338K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Cosmetics, Beauty Supplies, and Perfume Retailers?
Median $377,500 across 50 acquisition loans (FY2018 to FY2026); the middle half ran $200,000 to $649,950. That is 41% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Cosmetics, Beauty Supplies, and Perfume Retailers acquisitions?
The Huntington National Bank (6), Metro City Bank (5), Hanmi Bank (4), PCB Bank (2), Woori America Bank (2).
Are businesses in Cosmetics, Beauty Supplies, and Perfume Retailers often franchised?
Rarely. Only 2% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Cosmetics, Beauty Supplies, and Perfume Retailers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Cosmetics, Beauty Supplies, and Perfume Retailers acquisitions?
Median term 10 years, average initial rate 9.11% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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