Beauty Salon Feasibility Study in the San Diego-Chula Vista-Carlsbad, CA Metro Area

One-county salons with most of the file withheld

All 80 salon loans for the San Diego-Chula Vista-Carlsbad metro sit in San Diego County, CA, adding up to $22.1 million approved across FY2017 to FY2026. San Diego is 24 of 546 among areas for salons, salons are 8 of 39 within San Diego, and 0.76x on the location quotient shows a lighter weight than the national mix. Loan Analytics withholds four yearly counts too, along with both loss measures, and the page leaves them blank rather than nil.

The median is $113,050, 1.13x the national class median, and $39,125 and $329,000 are the quartile edges. SBA 7(a) accounts for 74 loans here and SBA 504 for 6. Franchised units are 8.8% of the loans. With the loss record missing, a lender has only size and mix to go on, and a study should supply its own downside case. A salon with one stylist and one with many borrow very differently, so the analysis should state the number of chairs and the rent model behind the request.

Lenders

U.S. Bank, National Association holds 16 SBA 7(a) loans but only $445,600 in total. Readycap Lending, LLC holds 8 loans and $1.8 million, JPMorgan Chase Bank, National Association 7 and $403,700, Simmons Bank 5 and $1.4 million, and BayFirst National Bank 5 and $492,000. SBA 504 offers no lender large enough to name. The rows reflect the holder SBA reports, not how a bank lends.

Only six years appear in the yearly table. FY2017 shows 8 loans and $3.0 million, FY2018 6 and $788,000, FY2023 and FY2024 12 each with $4.3 million and $4.1 million, FY2025 23 loans and $2.8 million, and FY2026 10 loans and $2.6 million. FY2019 to FY2022 are withheld. The jump to 23 loans in FY2025 on small dollars suggests many very small tickets. San Diego's totals use the 2023 delineation to match project counties.

What a San Diego salon study has to settle

The study should count nearby households and workers, tally the chairs already competing, and test the rent per square foot a salon can bear. It weighs plumbing, chairs and build-out against $113,050 and tests stylist retention and booth rent. With 80 loans shown, no approval is ever promised by the record.