Beauty Salon Feasibility Study in the Allentown-Bethlehem-Easton, PA-NJ Metro Area
What SBA's own loan files show about beauty salon lending in the Allentown-Bethlehem-Easton, PA-NJ Metro Area, and what a feasibility study for a project there has to test.
The Allentown-Bethlehem-Easton picture for beauty salons
Beauty salons lean above their national share in Allentown-Bethlehem-Easton, at 1.58x, but the loans are small, with a median 0.55x the national median. Allentown-Bethlehem-Easton, PA-NJ Metro Area lists 28 beauty salon loans, $4.1 million approved over FY2017 to FY2026. Position 5 of 39 among Allentown-Bethlehem-Easton classes, and position 56 of 546 among areas nationally. Allentown-Bethlehem-Easton lending leans toward beauty salons, with the location quotient at 1.58x. The median loan of $55,000 is 0.55x the national median, so Allentown-Bethlehem-Easton loans run lighter than the national norm.
Between $38,750 and $234,000 lies the middle half of the Allentown-Bethlehem-Easton loans. A project needing far more than $234,000 would sit outside the usual Allentown-Bethlehem-Easton band. By program, 28 loans are SBA 7(a) and 0 are SBA 504. The Allentown-Bethlehem-Easton franchise share of loans is 21.4%. A reviewer reads requests against $55,000. Expect $38,750 to $234,000 as the usual range. State the brand path in the study. Name the SBA structure the plan expects.
Holders, places and years in Allentown-Bethlehem-Easton
The SBA 7(a) holder list names TD Bank, National Association, 6 loans and $214,500. SBA names current holders only. It offers no reading of any approach. By county, Lehigh County, PA accounts for 17 loans. Printed years: FY2022 with 0 loans and $0 and FY2023 with 0 loans and $0. Other fiscal years stay hidden. Their counts are too small to publish. They are undefined, never zero. The printed years show no trend. Start with the Allentown-Bethlehem-Easton record, then test the plan. It cannot stand in for feasibility work.
What a Allentown-Bethlehem-Easton beauty salon study has to test
Allentown-Bethlehem-Easton beauty salons carry neither cancellation nor charge-off rates. Too few loans sit in the cohort. Read the totals without loss figures. Areas are federal groupings, 2023 edition. Loans are placed by project county. Names are compared county to county. An unmatched loan is omitted. Across 28 loans, $4.1 million was approved in Allentown-Bethlehem-Easton. Totals do not replace a study. The feasibility work for a beauty salon here must examine salons and chair-rental shops competing; retail product sales as income; service revenue per chair; booking and scheduling systems; lease and improvement cost, weighed with a median loan of $55,000; employees against chair renters; cash flow while the book builds; clients within reach of the salon; and the value of the leasehold or building. These figures forecast nothing for beauty salon borrowers. Every request is judged separately.
SBA beauty salon loans in the Allentown-Bethlehem-Easton, PA-NJ Metro Area
| Loans approved, FY2017 to FY2026 | 28 |
|---|---|
| Gross dollars approved | $4.1 million |
| Median loan | $55,000 |
| Middle half of loans, from | $38,750 |
| Middle half of loans, to | $234,000 |
| SBA 7(a) loans | 28 |
| SBA 504 loans | 0 |
| Franchise share of loans | 21.4% |
| Rank among metro and micro areas for beauty salon loans | 56 of 546 |
| Rank of beauty salon among the classes in this area | 5 of 39 |
| Location quotient (share of loans against the national share) | 1.58x |
| Median loan against the national median for the class | 0.55x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA beauty salon loans approved in the Allentown-Bethlehem-Easton, PA-NJ Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 0 | $0 |
| FY2023 | 0 | $0 |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| TD Bank, National Association | 6 | $214,500 |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Lehigh County, PA | 17 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-10900-C38.
Related feasibility study pages
- Beauty salon feasibility study and SBA loan data
- Feasibility Study Data for the Allentown-Bethlehem-Easton, PA-NJ Metro Area
- Beauty Salon Feasibility Study in New Jersey
- Beauty Salon Feasibility Study in Pennsylvania
- Feasibility study data and consultants for New Jersey
- Pennsylvania feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a beauty salon project in the Allentown-Bethlehem-Easton, PA-NJ Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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