Other Personal Care Services (NAICS 812199): SBA acquisition loan data
250 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Personal Care Services (NAICS 812199), totaling $197M. Median loan $450,000, 30% lower than the all-acquisition median. Annual volume rose 46% from FY2024 to FY2026. 35% of these deals were franchised units.
What NAICS 812199 covers
NAICS 812199 is the 2022 NAICS code for Other Personal Care Services, in Personal and Laundry Services (subsector 812) under Other Services (except Public Administration)T.
This U.S. industry comprises establishments primarily engaged in providing personal care services (except hair, nail, facial, nonpermanent makeup, or non-medical diet and weight reducing services).
Source: U.S. Census Bureau, 2022 NAICS Manual (industry description for 812199).
Examples of businesses in this code
- Baths, steam or turkish
- Day spas
- Ear piercing services
- Hair weaving services
- Saunas
- Scalp treating services
- Steam baths
- Sun tanning salons
- Tanning salons
- Tattoo parlors
- Turkish bathhouses
- Turkish baths
Source: U.S. Census Bureau, 2022 NAICS Index File.
Related codes
Other codes in NAICS 81219, Other Personal Care Services:
- 812191 Diet and Weight Reducing Centers
SBA size standard for NAICS 812199
$9 million in average annual receipts
This is the SBA small business size standard matched to NAICS 812199, Other Personal Care Services. Size standards in receipts are generally measured as the average annual receipts of the firm.
SBA's 7(a) program uses this size standard to decide whether a business is small enough to qualify; the lender makes that determination. For a business purchase, the combined size of the buyer and the acquired business must meet the applicable size standard (SOP 50 10 8.1, Section A, Ch. 1, "Small Under SBA Size Requirements").
Source: SBA Table of Size Standards, effective March 17, 2023, the table listed on that SBA page when this site was last built (November 1, 2026). Size standards change; confirm the current figure with your lender or at sba.gov/size.
The purchase agreement decides what you bought, not the loan approval.
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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 $944,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.5% of all SBA-financed business purchases, ranking #45 of 300 industries tracked.
- Geography. Texas leads with 30 loans; the top five states account for 41% of the industry's acquisitions.
- Jobs. Lenders reported 4,098 jobs supported across these loans, about 16.4 per acquisition, a rough proxy for the size of business changing hands.
Other Personal Care Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 30 | $21.7M | $480,800 | |
| FY2019 | 29 | $22.2M | $322,000 | |
| FY2020 | 21 | $13.9M | $342,700 | |
| FY2021 | 16 | $10M | $350,000 | |
| FY2022 | 14 | $7M | $326,750 | |
| FY2023 | 20 | $17.7M | $544,000 | |
| FY2024 | 28 | $20.9M | $413,100 | |
| FY2025 | 51 | $53.7M | $694,500 | |
| FY2026 | 41 | $29.8M | $474,000 |
How often do these acquisition loans fail?
Of the 96 Other Personal Care Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 5 have been charged off by the SBA, a rate of 5.2% by loan count and 1.0% by dollars. 65 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Other Personal Care Services is 48% higher than the acquisition-loan average. 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.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 30 | 12.0% | $33.8M | |
| 2 | California | 29 | 11.6% | $27.5M | |
| 3 | Florida | 18 | 7.2% | $13.4M | |
| 4 | Pennsylvania | 14 | 5.6% | $8.5M | |
| 5 | Georgia | 12 | 4.8% | $7.1M | |
| 6 | New York | 11 | 4.4% | $8.9M | |
| 7 | Michigan | 9 | 3.6% | $7.9M | |
| 8 | Tennessee | 9 | 3.6% | $4.8M | |
| 9 | Arizona | 8 | 3.2% | $8.4M | |
| 10 | Colorado | 8 | 3.2% | $3.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Bank | 21 | 8.4% | $31.9M | |
| 2 | Huntington Bank | 20 | 8.0% | $13.8M | |
| 3 | Simmons Bank | 13 | 5.2% | $5M | |
| 4 | Beacon Bank and Trust | 8 | 3.2% | $12.6M | |
| 5 | Customers Bank | 6 | 2.4% | $7M | |
| 6 | Commercial Bank of California | 6 | 2.4% | $5.6M | |
| 7 | PNC Bank | 6 | 2.4% | $3.3M | |
| 8 | First Internet Bank | 5 | 2.0% | $9.6M | |
| 9 | Wells Fargo | 5 | 2.0% | $3M | |
| 10 | First Commonwealth Bank | 4 | 1.6% | $5M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Other Personal Care Services
35% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Massage Envy | 19 | 21.6% | $15.4M | |
| 2 | European Wax Center | 12 | 13.6% | $10.4M | |
| 3 | Hand and Stone Massage and Facial Spa | 7 | 8.0% | $8.7M | |
| 4 | Elements Massage | 6 | 6.8% | $1.9M | |
| 5 | Massage Heights | 5 | 5.7% | $4.6M | |
| 6 | Waxing the City | 4 | 4.5% | $2.9M | |
| 7 | Amazing Lash Studio | 3 | 3.4% | $831K | |
| 8 | Senior Helpers | 3 | 3.4% | $610K | |
| 9 | Radiant Waxing | 1 | 1.1% | $3.1M | |
| 10 | Club Pilates | 1 | 1.1% | $244K | |
| 11 | Sport Clips | 1 | 1.1% | $216K | |
| 12 | Fitness Together | 1 | 1.1% | $90K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Personal Care Services?
Median $450,000 across 250 acquisition loans (FY2018 to FY2026); the middle half ran $245,500 to $944,000. That is 30% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Personal Care Services acquisitions?
Live Oak Bank (21), Huntington Bank (20), Simmons Bank (13), Beacon Bank and Trust (8), Customers Bank (6).
Are businesses in Other Personal Care Services often franchised?
Yes, often. 35% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Massage Envy, European Wax Center, Hand and Stone Massage and Facial Spa, Elements Massage, Massage Heights.
How risky are SBA loans for buying a business in Other Personal Care Services?
Of 96 seasoned loans (FY2018 to FY2021), 5.2% charged off, 48% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Other Personal Care Services acquisitions?
Median term 10 years, average initial rate 8.41% 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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