Beauty Salon Feasibility Study in the San Antonio-New Braunfels, TX Metro Area

Salons in San Antonio borrow almost twice the national median

San Antonio and New Braunfels ranks 34 of 546 areas nationally for beauty salon loans, and beauty salon is 10 of 39 classes inside the area. The location quotient of 1.25x shows salons carry extra weight in this market's SBA ledger. SBA's files list 60 loans for $14.5 million, FY2017 to FY2026. The beauty salon median, $195,000, is 1.95x the national figure, and usual loans run $50,000 to $317,950.

Bexar County carries 42 of the loans and Comal County 7, so the record is mostly the city itself. Franchise ties show on 35.0% of the loans. Wells Fargo Bank National Association is the only lender with a printed row: 6 loans for $488,300. Loan Analytics does not print the split between the two SBA programs, since too few loans back it. The names above are the holders SBA lists today, and they give no view of what Wells Fargo Bank National Association will fund.

Neither a charge-off figure nor a cancellation floor is printed for the San Antonio and New Braunfels beauty salon record, since few loans support them; absence is not nil. The trail by year: 10 loans and $1.5 million in FY2017, 9 and $1.2 million in FY2018, 9 and $2.7 million in FY2019, 6 and $1.3 million in FY2023, 7 and $2.4 million in FY2025, and 5 and $892,400 in FY2026.

What a San Antonio salon study has to weigh

A feasibility study should test stylist supply in San Antonio, rent per chair, build-out of plumbing and stations, and the borrower's follow-through on a loan size well above the national norm. The higher median invites a question about whether the project is a multi-chair flagship or a purchase. A loan counts for San Antonio and New Braunfels when its project county matches the July 2023 delineation, and a loan in any other county is left out. The figures here are background to a beauty salon plan and promise no credit. With 60 loans behind the 1.95x median ratio, the study should also say which of the $50,000 to $317,950 band its own request resembles, and why.