Best SBA 7(a) lenders for cosmetics, beauty supplies, and perfume stores
NAICS 446120 — Cosmetics, Beauty Supplies, and Perfume Stores.
319 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $129.8M.
Loans
319
Total $
$129.8M
Avg loan
$407K
Avg rate
6.80%
Avg term
134 mo
Industry chg-off rate
5.28%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 27 | $3.2M | $117K | 7.02% | 7.41% |
| 2 | TD Bank, National Association | 26 | $1.4M | $53K | 10.48% | 16.67% |
| 3 | Bank of Hope | 22 | $5.6M | $257K | 6.05% | 4.55% |
| 4 | Wells Fargo Bank National Association | 16 | $183K | $11K | 9.66% | 18.75% |
| 5 | Manufacturers and Traders Trust Company | 14 | $1.2M | $85K | 7.52% | 0.00% |
| 6 | The Huntington National Bank | 14 | $1.2M | $82K | 5.67% | 7.14% |
| 7 | JPMorgan Chase Bank, National Association | 12 | $5.6M | $470K | 7.65% | 0.00% |
| 8 | Metro City Bank | 12 | $13.8M | $1.1M | 4.65% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 8 | $5.5M | $693K | 5.63% | 0.00% |
| 10 | BayFirst National Bank | 8 | $1.3M | $167K | 9.69% | 12.50% |
| 11 | PromiseOne Bank | 8 | $5.3M | $664K | 5.63% | 0.00% |
| 12 | New Millennium Bank | 7 | $2.3M | $334K | 4.29% | 0.00% |
| 13 | Woori America Bank | 7 | $4.4M | $633K | 4.61% | 0.00% |
| 14 | Celtic Bank Corporation | 5 | $1.7M | $344K | 6.20% | 0.00% |
| 15 | Loyal Trust Bank | 5 | $3.4M | $682K | 5.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.