Beauty salon loans in Ogden

Ogden beauty salons are financed above the national median size, at 1.50x, while their share of local lending stays close to the national share, at 1.10x. From FY2017 through FY2026, SBA approved 27 loans for beauty salons in Ogden, UT, $9.2 million together. Among Ogden classes it ranks 7 of 39; against areas nationwide, Ogden, UT ranks 58 of 546. At 1.10x on the location quotient, beauty salons take a larger share of Ogden loans than of loans across the country. Ogden loan size runs high: $150,000 at the median, 1.50x the national median for beauty salons.

The band for the middle half of beauty salon loans starts at $99,500 and ends at $334,000. A proposal's place in this Ogden band is an early test. No program split prints for Ogden; Loan Analytics holds it back. SBA's franchise flag gives beauty salons a share of 25.9% in Ogden. A reviewer reads requests against $150,000. Ordinary requests fall in $99,500 to $334,000. The study should settle the branding question. Without counts, test each SBA structure.

Lenders, counties and years for beauty salons

The SBA 7(a) holder list names Zions Bancorporation, National Association, 5 loans and $443,000. Each name marks a present holder. Nothing in it describes anyone's standards. Place by place, Davis County, UT holds 19 and Weber County, UT holds 8. Start with the Ogden record, then test the plan. Nothing here replaces local market evidence.

Underwriting a beauty salon in Ogden

Charge-off and cancellation rates: none for Ogden. The cohort is below 30 loans. None is shown as zero. Areas are federal groupings, 2023 edition. Every loan is read through its county. Name decides the match. An unmatched loan is omitted. The Ogden total is 27 loans and $9.2 million. History is not a substitute for analysis. The study behind a beauty salon loan request in Ogden should test salons and chair-rental shops competing; cash flow while the book builds; chairs that can be kept busy; retail product sales as income; chair and station cost against the $150,000 median; clients within reach of the salon; booking and scheduling systems; and the appraisal of the space. The record implies no approval in Ogden. Context is all that the record gives. Because the middle half of Ogden loans reaches $334,000, the study should show how many chairs the plan needs and why a request outside that band is justified.

SBA beauty salon loans in the Ogden, UT Metro Area

Loans approved, FY2017 to FY2026	27
Gross dollars approved	$9.2 million
Median loan	$150,000
Middle half of loans, from	$99,500
Middle half of loans, to	$334,000
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	25.9%
Rank among metro and micro areas for beauty salon loans	58 of 546
Rank of beauty salon among the classes in this area	7 of 39
Location quotient (share of loans against the national share)	1.10x
Median loan against the national median for the class	1.50x

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.

Approvals by fiscal year are withheld for this area, so that no year of fewer than 5 loans can be derived.

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Zions Bancorporation, National Association	5	$443,000

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
Davis County, UT	19
Weber County, UT	8

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-36260-C38.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a beauty salon project in the Ogden, UT 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.

Daniel Smith, MAI

Beauty Salon Feasibility Study in the Ogden, UT Metro Area