Beauty Salons acquisitions in Wisconsin: SBA loan data
Since FY2018, SBA lenders have approved 21 7(a) loans to buy an existing business classified as Beauty Salons in Wisconsin, totaling $7.7M. The median loan was $135,000. That is 1.4% of the 1,452 acquisition loans in Wisconsin.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median Beauty Salons loan in Wisconsin is 76% lower than the $562,750 median for all Wisconsin acquisitions, and 53% lower than the $288,600 median for Beauty Salons acquisitions nationwide (444 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 3.1% of seasoned Beauty Salons acquisition loans were charged off, and 2.6% of seasoned Wisconsin acquisition loans of any type.
Beauty Salons acquisition loans in Wisconsin by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $2.3M | $555,000 | |
| FY2019 | 6 | $1.7M | $158,150 | |
| FY2020 | 4 | $2M | $117,600 | |
| FY2021 | 3 | $447K | $123,300 | |
| FY2022 | 1 | $135K | $135,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 1 | $275K | $275,000 | |
| FY2025 | 2 | $240K | $120,200 | |
| FY2026 | 1 | $667K | $666,900 |
How often do these acquisition loans fail?
Fewer than 20 Beauty Salons in Wisconsin 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Nicolet National Bank | 4 | 19.0% | $442K | |
| 2 | Ixonia Bank | 3 | 14.3% | $997K | |
| 3 | Byline Bank | 2 | 9.5% | $1.9M | |
| 4 | Summit CU | 2 | 9.5% | $195K | |
| 5 | Live Oak Banking Company | 1 | 4.8% | $1.6M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Supercuts | 1 | 4.8% | $650K | |
| 2 | Sport Clips | 1 | 4.8% | $123K |
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do SBA loans for Beauty Salons acquisitions in Wisconsin run?
The median SBA 7(a) loan was $135,000 across 21 loans (FY2018 to FY2026), with the middle half between $104,000 and $555,000. 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 Beauty Salons acquisitions in Wisconsin?
Nicolet National Bank (4), Ixonia Bank (3), Byline Bank (2), Summit CU (2), Live Oak Banking Company (1). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Beauty Salons acquisition loans fail in Wisconsin?
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 Beauty Salons acquisitions in Wisconsin?
2 of the 21 loans (10%) involved a franchise brand, most often Supercuts (1).
The purchase agreement decides what you bought, not the loan approval.
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Small samples move a lot: each loan in this combination is 5% of the count. Industry is the NAICS code the lender recorded. See the methodology.