Beauty & Personal Care · lender intelligence
How to finance a Smartstyle
The SBA 7(a) lenders funding the most Smartstyle deals, ranked from public loan records — typical Smartstyle loan about $600K, 0% failure rate across 29 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with Smartstyle
Ranked by funded Smartstyle loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.62 loans · $34M · Winter Haven, FLFull record →
- 3.19 loans · $18M · Grand Rapids, MIFull record →
- 4.62 loans · $21M · Saint Cloud, MNFull record →
- 5.2,539 loans · $965M · Columbus, OHFull record →
- 6.88 loans · $96M · Muncie, INFull record →
- 7.1,322 loans · $185M · Wilmington, DEFull record →
- 8.22 loans · $12M · Carlsbad, NMFull record →
- 9.34 loans · $57M · Charlotte, NCFull record →
- 10.14 loans · $23M · Miami Lakes, FLFull record →
29+ funded Smartstyle deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- 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)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 11 days
- Approved
- 4/21/2022
- First disbursed
- 5/2/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by Live Oak Banking Company · Lender record →
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- Kuber LLC in Atkinson, NH — $50K (2022) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.55% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 8 days
- Approved
- 6/28/2022
- First disbursed
- 7/6/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by TD Bank, National Association · Lender record →
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- Smartstyle Hair Salons, Cost Cutters Famous Hair, Super Cuts in Cary, NC — $375K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (90%)
- Approval → funding
- 7 days
- Approved
- 3/1/2021
- First disbursed
- 3/8/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 77
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by Live Oak Banking Company · Lender record →
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- Fight 6:12 Beauty, LLC in Fishers, IN — $310K (2021) · First Merchants Bank
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $232K (75%)
- Approval → funding
- 0 days
- Approved
- 11/4/2020
- First disbursed
- 11/4/2020
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- New Business or 2 years or less
- Industry
- Beauty Salons
Funded by First Merchants Bank · Lender record →
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- LNJ INVESTMENTS CORPORATION in Cincinnati, OH — $150K (2021) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.65% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 65 days
- Approved
- 12/21/2020
- First disbursed
- 2/24/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Existing or more than 2 years old
- Industry
- Beauty Salons
Funded by The Huntington National Bank · Lender record →
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- New Image Concepts AR LLC in Rogers, AR — $3.1M (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 14 days
- Approved
- 2/11/2020
- First disbursed
- 2/25/2020
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 250
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $3.4M
- Est. down payment (10%)
- $344K
- Est. cash at closing
- $476K
- Monthly payment
- $35,595
- Annual debt service
- $427K
- Cash flow needed (1.25×)
- $534K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- SMARTSTYLE in Cincinnati, OH — $2.2M (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approved
- 2/12/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $244K
- Est. cash at closing
- $337K
- Monthly payment
- $25,828
- Annual debt service
- $310K
- Cash flow needed (1.25×)
- $387K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- SmartStyle Hair Salons in Philadelphia, PA — $1.7M (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 27 days
- Approved
- 12/4/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 220
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $193K
- Est. cash at closing
- $265K
- Monthly payment
- $20,369
- Annual debt service
- $244K
- Cash flow needed (1.25×)
- $306K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- Panimor Corp in Odessa, FL — $1.4M (2020) · purchase · SouthState Bank, National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 121 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 503 days
- Approved
- 11/14/2019
- First disbursed
- 3/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $153K
- Est. cash at closing
- $210K
- Monthly payment
- $16,290
- Annual debt service
- $195K
- Cash flow needed (1.25×)
- $244K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by SouthState Bank, National Association · Lender record →
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- Daesian Venture Group, Inc. in San Antonio, TX — $1.1M (2020) · purchase · Live Oak Banking Company
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $788K (75%)
- Approval → funding
- 11 days
- Approved
- 3/6/2020
- First disbursed
- 3/17/2020
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 73
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $117K
- Est. cash at closing
- $160K
- Monthly payment
- $12,327
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $185K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Jai Ganesha LLC in Clermont, FL — $796K (2020) · purchase · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 123 months
- SBA guaranteed
- $597K (75%)
- Approval → funding
- 9 days
- Approved
- 10/22/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $884K
- Est. down payment (10%)
- $88K
- Est. cash at closing
- $121K
- Monthly payment
- $9,087
- Annual debt service
- $109K
- Cash flow needed (1.25×)
- $136K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Lake Michigan CU · Lender record →
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- PREMIER HAIR CARE LLC in Irving, TX — $775K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $581K (75%)
- Approval → funding
- 7 days
- Approved
- 9/17/2020
- First disbursed
- 9/24/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 103
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $861K
- Est. down payment (10%)
- $86K
- Est. cash at closing
- $118K
- Monthly payment
- $8,507
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $128K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- SmartStyle in New Canaan, CT — $735K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $551K (75%)
- Approval → funding
- 10 days
- Approved
- 2/21/2020
- First disbursed
- 3/2/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 78
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $817K
- Est. down payment (10%)
- $82K
- Est. cash at closing
- $112K
- Monthly payment
- $8,534
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $128K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- West Penn Salons LLC in Mount Pleasant, PA — $715K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $536K (75%)
- Approval → funding
- 47 days
- Approved
- 11/21/2019
- First disbursed
- 1/7/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 59
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $794K
- Est. down payment (10%)
- $79K
- Est. cash at closing
- $109K
- Monthly payment
- $8,155
- Annual debt service
- $98K
- Cash flow needed (1.25×)
- $122K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- KAIRALI CREATIONS CORP in Mesa, AZ — $675K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $506K (75%)
- Approval → funding
- 30 days
- Approved
- 10/1/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (5/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 73
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $750K
- Est. down payment (10%)
- $75K
- Est. cash at closing
- $100K
- Monthly payment
- $7,925
- Annual debt service
- $95K
- Cash flow needed (1.25×)
- $119K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Z2 Great Lakes Cosmetologists Organization, LLC in Elkhart, IN — $651K (2020) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 124 months
- SBA guaranteed
- $488K (75%)
- Approved
- 3/19/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 61
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $723K
- Est. down payment (10%)
- $72K
- Est. cash at closing
- $97K
- Monthly payment
- $7,475
- Annual debt service
- $90K
- Cash flow needed (1.25×)
- $112K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Uma Mahesh LLC in Clermont, FL — $635K (2020) · purchase · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 123 months
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 9 days
- Approved
- 10/22/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $706K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $94K
- Monthly payment
- $7,249
- Annual debt service
- $87K
- Cash flow needed (1.25×)
- $109K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
- ARCNV INC in Las Vegas, NV — $635K (2020) · SouthState Bank, National Association
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 201 days
- Approved
- 3/13/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 83
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Beauty Salons
Funded by SouthState Bank, National Association · Lender record →
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- The Wardlow Group LLC in Greencastle, IN — $614K (2020) · purchase · BankUnited, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $461K (75%)
- Approval → funding
- 56 days
- Approved
- 2/4/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 65
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $682K
- Est. down payment (10%)
- $68K
- Est. cash at closing
- $91K
- Monthly payment
- $7,050
- Annual debt service
- $85K
- Cash flow needed (1.25×)
- $106K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
- SMARTSTYLE in Cincinnati, OH — $600K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 22 days
- Approved
- 10/9/2019
- First disbursed
- 10/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $667K
- Est. down payment (10%)
- $67K
- Est. cash at closing
- $89K
- Monthly payment
- $7,122
- Annual debt service
- $85K
- Cash flow needed (1.25×)
- $107K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Smartstyle? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to Smartstyle businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Smartstyle purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. DealRoom is not a lender.
- $600K typical Smartstyle loan
- 0% failure rate (FY20–23)
- 10 lenders fund the brand
- 22 days typical to fund
Buyers researching a Smartstyle typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.