Beauty Salon Feasibility Study in the Des Moines-West Des Moines, IA Metro Area
What SBA's own loan files show about beauty salon lending in the Des Moines-West Des Moines, IA Metro Area, and what a feasibility study for a project there has to test.
Des Moines-West Des Moines: beauty salon lending
Within Des Moines-West Des Moines, between FY2017 and FY2026, SBA's records hold 29 beauty salon loans, adding up to $6.2 million in gross approvals. In Des Moines-West Des Moines, beauty salon lending comes in at 5 of 39 among the asset classes; Des Moines-West Des Moines is placed at 55 of 546 across metro and micro areas by beauty salon loan count. Des Moines-West Des Moines's 1.53x location quotient gives beauty salon more weight locally. The median loan for Des Moines-West Des Moines comes to $150,000. The central half of Des Moines-West Des Moines loans lies between $65,000 and $270,000, and the median is a 1.50x multiple of the national class median. Des Moines-West Des Moines salon loans are modest but above the national class median, at $150,000 and 1.50x, with a middle half from $65,000 to $270,000. Beauty salons rank 5 of 39 locally and carry a location quotient of 1.53x. All 29 loans are SBA 7(a), and 20.7% are to franchised units.
Of Des Moines-West Des Moines's 29 loans, 29 are SBA 7(a), none SBA 504. Franchise-affiliated units represent 20.7% of the Des Moines-West Des Moines loans. Among the Des Moines-West Des Moines holders Bankers Trust Company appears with $386,000 in 5 SBA 7(a) loans. Des Moines-West Des Moines's lender rows show today's holders only. Des Moines-West Des Moines borrowers gain no evidence of lender standards from them. County by county: Polk County, IA has 24 loans.
Des Moines-West Des Moines: years, floors and limits
For Des Moines-West Des Moines, only some years can be given: FY2022 shows 6 loans worth $1.2 million; FY2024 shows 5 loans totalling $1.0 million. In FY2021, Des Moines-West Des Moines has 0 loans and $0. These Des Moines-West Des Moines years are held back: FY2017 to FY2020, FY2023, FY2025 and FY2026. Des Moines-West Des Moines's withheld years differ from none. Des Moines-West Des Moines's cancellation rate: suppressed, under 30 loans. Any Des Moines-West Des Moines charge-off rate: held back, under 30 loans in all. Des Moines-West Des Moines's cut-off is Loan Analytics' own. Des Moines-West Des Moines has a thin FY2017 to FY2021 group. Des Moines-West Des Moines is drawn on the July 2023 list. A loan joins Des Moines-West Des Moines only through its county. Des Moines-West Des Moines leaves out unmatched loans.
Des Moines-West Des Moines: what to test
Des Moines salon plans should show how many stations the space holds, who works them and on what terms, and how service and retail income combine. A loan near $150,000 is mostly fit-out and equipment, so the lease term has to outlast the payback of that spend. If the project joins a franchise, say what its fees and required decor cost. The first slow months must be covered, because FY2021 shows 0 loans while FY2022 shows 6 loans worth $1.2 million.
SBA beauty salon loans in the Des Moines-West Des Moines, IA Metro Area
| Loans approved, FY2017 to FY2026 | 29 |
|---|---|
| Gross dollars approved | $6.2 million |
| Median loan | $150,000 |
| Middle half of loans, from | $65,000 |
| Middle half of loans, to | $270,000 |
| SBA 7(a) loans | 29 |
| SBA 504 loans | 0 |
| Franchise share of loans | 20.7% |
| Rank among metro and micro areas for beauty salon loans | 55 of 546 |
| Rank of beauty salon among the classes in this area | 5 of 39 |
| Location quotient (share of loans against the national share) | 1.53x |
| Median loan against the national median for the class | 1.50x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| 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 Des Moines-West Des Moines, IA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | 0 | $0 |
| FY2022 | 6 | $1.2 million |
| FY2023 | withheld | withheld |
| FY2024 | 5 | $1.0 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Bankers Trust Company | 5 | $386,000 |
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 |
|---|---|
| Polk County, IA | 24 |
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-19780-C38.
Related feasibility study pages
- Beauty salon feasibility study consultant
- Feasibility Study Data for the Des Moines-West Des Moines, IA Metro Area
- Beauty Salon Feasibility Study in Iowa
- Feasibility study data and consultants for Iowa
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Beauty Salon Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Beauty Salon Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
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