Beauty Salon Feasibility Study in the Louisville/Jefferson County, KY-IN Metro Area
What SBA's own loan files show about beauty salon lending in the Louisville/Jefferson County, KY-IN Metro Area, and what a feasibility study for a project there has to test.
Salons in a two-state metro
Beauty salon is listed at 8 of 39 among Louisville/Jefferson County's classes, and Louisville/Jefferson County is ranked at 60 of 546 for it nationally. Across FY2017 to FY2026 the files hold 25 approvals worth $7.3 million, with 19 in Jefferson County, KY. Louisville/Jefferson County carries a location quotient of 0.91x: beauty salon loans claim a smaller slice there than nationally.
The program mix is all 7(a): 25 loans, with 504 at 0. A ordinary loan runs to $200,000, 2.00x the national figure for beauty salons, and a middle band reaches from $50,000 up to $290,800. The franchise share is not printed. All above describes SBA loans in Louisville/Jefferson County; other money for beauty salon projects in Louisville/Jefferson County sits outside these figures.
Holder and recent years
$995,700 of the 7(a) loans, 5 in number, sit with PNC Bank, National Association. Holding is the only thing reported; no credit policy is implied. Two years print: FY2025 brings 5 loans and $2.9 million and FY2026: 6 loans and $2.0 million. Both are the most recent complete fiscal years, and the dollars per loan are high for the class. Loan Analytics holds back Louisville/Jefferson County's two loss-side rates since the Louisville/Jefferson County FY2017 to FY2021 group contains under 30 loans, a size our own rule treats as too few for Louisville/Jefferson County. A missing rate in Louisville/Jefferson County should never be read as zero.
Salon loans in Louisville are at 2.00x the national median, which a lender will read as large requests for beauty salon. The two printed years are the most recent ones, so recent approvals make up a sizeable part of the record. An applicant should expect a proposal near the upper edge to be compared with these recent, larger loans.
Louisville/Jefferson County: questions a study must answer
A Louisville area salon should be tested on the chairs and booths the space holds, the stylists or renters it can retain, and the time to a regular client list. Test the instalment on a proposal near the elevated $200,000 median with a gradual ramp. A purchase of a running salon needs its price tied to earnings, and the tenancy should outrun the loan. Federal county lines define Louisville/Jefferson County; so loans from counties Louisville/Jefferson County cannot match stay dropped from the totals.
SBA beauty salon loans in the Louisville/Jefferson County, KY-IN Metro Area
| Loans approved, FY2017 to FY2026 | 25 |
|---|---|
| Gross dollars approved | $7.3 million |
| Median loan | $200,000 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $290,800 |
| SBA 7(a) loans | 25 |
| SBA 504 loans | 0 |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for beauty salon loans | 60 of 546 |
| Rank of beauty salon among the classes in this area | 8 of 39 |
| Location quotient (share of loans against the national share) | 0.91x |
| Median loan against the national median for the class | 2.00x |
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 Louisville/Jefferson County, KY-IN 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 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | 5 | $2.9 million |
| FY2026 | 6 | $2.0 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| PNC Bank, National Association | 5 | $995,700 |
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 |
|---|---|
| Jefferson County, KY | 19 |
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-31140-C38.
Related feasibility study pages
- Beauty salon feasibility study and SBA loan data
- Feasibility Study Data for the Louisville/Jefferson County, KY-IN Metro Area
- Beauty Salon Feasibility Study in Indiana
- Beauty Salon Feasibility Study in Kentucky
- Indiana feasibility study consultant
- Kentucky feasibility study consultant
- Feasibility Study Data by Metro Area
- SBA feasibility study company
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a beauty salon project in the Louisville/Jefferson County, KY-IN 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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