SBA 7(a) Beauty Salon Feasibility Study in Louisiana

How large Louisiana beauty salon loans run

Louisiana beauty salons drew 55 SBA 7(a) approvals in Louisiana's FY2017 to FY2026 window, a combined $7.7 million of gross dollars. To gauge scale in Louisiana, the median is $90,000, and loans from $41,250 to $169,950 form the middle half in Louisiana. Next to beauty salons nationally under SBA 7(a), Louisiana shows a median ratio of 1.03x, which puts Louisiana above the national figure for beauty salons. Franchised borrowers account for 5.5% of the beauty salons loans in Louisiana.

On SBA 7(a) loan counts for beauty salons, rank 35 belongs to Louisiana; the class sits at 8 of 39 in Louisiana's own table. FY2026 was the Louisiana high point, 11 loans and $1.4 million together, with FY2026 at 11 loans, $1.4 million. In Louisiana the 7(a) program funds salons through equipment, leasehold improvements and working capital, and this cell separates that program from the state's blended salon view.

Most Louisiana loans sit with Fidelity Bank, which holds 9 worth $1.1 million. Next come Newtek Bank, National Association: 7 loans, $980,000 in all. SBA's Louisiana file puts Fidelity Bank first among 55 loans, where each name holds or held beauty salons loans; none is rated. Among parishes of Louisiana, Jefferson shows 10 loans; next are East Baton Rouge with 9 and Orleans with 9. Lower on the list are Saint Tammany 8, Caddo 4 and Lafayette 3.

What the Louisiana outcome figures leave out

In Louisiana, approvals from FY2017 to FY2024 stand at a cancellation floor of 2.9%, and counting undisbursed loans changes nothing, so 2.9% is also the ceiling. As for charge-offs, too few Louisiana loans were funded, leaving losses unknown. Only SBA loans are counted in Louisiana.

Testing a Louisiana beauty salon

Booking habits and repeat visits drive a salon, so the study should say how many returning clients around Jefferson the plan needs to cover a typical $90,000 loan. Stylists matter as much as clients: show who works the chairs, how they are paid, and what happens if one leaves with a following. Plumbing, ventilation and stations dominate the budget, and the landlord's contribution to build-out can change the size of the request. Retail product sales add margin but need shelf space and inventory cash. Test the forecast with a slow summer and a rent increase.