All Other Personal Services acquisitions in Missouri: SBA loan data
Since FY2018, SBA lenders have approved 11 7(a) loans to buy an existing business classified as All Other Personal Services in Missouri, totaling $8.7M. The median loan was $363,000. That is 1.0% of the 1,098 acquisition loans in Missouri.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median All Other Personal Services loan in Missouri is 37% lower than the $580,000 median for all Missouri acquisitions, and 11% lower than the $406,600 median for All Other Personal Services acquisitions nationwide (336 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.7% of seasoned All Other Personal Services acquisition loans were charged off, and 2.9% of seasoned Missouri acquisition loans of any type.
All Other Personal Services acquisition loans in Missouri by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $307K | $306,600 | |
| FY2019 | 1 | $320K | $320,000 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 1 | $432K | $432,000 | |
| FY2023 | 1 | $99K | $98,700 | |
| FY2024 | 2 | $910K | $455,000 | |
| FY2025 | 4 | $4.3M | $819,000 | |
| FY2026 | 1 | $2.4M | $2,400,000 |
How often do these acquisition loans fail?
Fewer than 20 All Other Personal Services in Missouri 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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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Bank of Houston | 2 | 18.2% | $1.7M | |
| 2 | Regent Bank | 2 | 18.2% | $419K | |
| 3 | OakStar Bank | 1 | 9.1% | $2.5M | |
| 4 | Midwest Regional Bank | 1 | 9.1% | $2.4M | |
| 5 | Branson Bank | 1 | 9.1% | $760K |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Right at Home | 1 | 9.1% | $1.3M | |
| 2 | Massage Envy | 1 | 9.1% | $363K | |
| 3 | barre3 | 1 | 9.1% | $150K | |
| 4 | Snap Fitness | 1 | 9.1% | $99K |
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Questions buyers ask
How much do SBA loans for All Other Personal Services acquisitions in Missouri run?
The median SBA 7(a) loan was $363,000 across 11 loans (FY2018 to FY2026). 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 All Other Personal Services acquisitions in Missouri?
The Bank of Houston (2), Regent Bank (2), OakStar Bank (1), Midwest Regional Bank (1), Branson Bank (1).
How often do All Other Personal Services acquisition loans fail in Missouri?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of All Other Personal Services acquisitions in Missouri?
4 of the 11 loans (36%) involved a franchise brand, most often Right at Home (1).
Seller note standby terms and third-party consents are reviewed before closing.
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Small samples move a lot: each loan in this combination is 9% of the count. Industry is the NAICS code the lender recorded. See the methodology.