How much does a Smartstyle cost to buy or open?

The typical deal for Smartstyle is $600K across 29 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $66K of buyer cash on a typical deal.

How risky is Smartstyle?

0% of Smartstyle's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Smartstyle with an SBA loan?

Yes — Smartstyle has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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Smartstyle, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S2274)

29 deals since 2020 · typical deal $600K · 0% failure rate

Deals since 2020

$600K

Typical deal

Deals since FY2025

Failure rate (FY20–23)

Smartstyle buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Smartstyle

Most Smartstyle deals financed between $310K and $735K. Above $735K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$600K

Monthly payment (10-yr): $7,846
Down payment (10%): $67K
Cash to close (all-in): $89K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$89K)

Experience

Recent financings

Radiant One LLC in Apex, NC — $250K (2022) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)

Smartstyle, by the numbers

Recent financings

Who funds Smartstyle — and where

Common questions

How much does a Smartstyle cost to buy or open?

How risky is Smartstyle?

Can I finance a Smartstyle with an SBA loan?

AI summary