Best SBA 7(a) lenders for cosmetics, beauty supplies, and perfume stores
The top SBA 7(a) lenders for cosmetics, beauty supplies, and perfume stores (NAICS 446120) are U.S. Bank, National Association, TD Bank, National Association, Bank of Hope, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 319 loans totaling $129.8M to businesses in this industry. Average loan size: $407K. Average rate: 6.80%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.28%.
Loans
319
Total $
$129.8M
Avg loan
$407K
Avg rate
6.80%
Avg term
134 mo
Industry chg-off rate
5.28%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 27 | $3.2M | $117K | 7.02% | 7.41% |
| 2 | TD Bank, National Association | 26 | $1.4M | $53K | 10.48% | 16.67% |
| 3 | Bank of Hope | 22 | $5.6M | $257K | 6.05% | 4.55% |
| 4 | Wells Fargo Bank National Association | 16 | $183K | $11K | 9.66% | 18.75% |
| 5 | Manufacturers and Traders Trust Company | 14 | $1.2M | $85K | 7.52% | 0.00% |
| 6 | The Huntington National Bank | 14 | $1.2M | $82K | 5.67% | 7.14% |
| 7 | JPMorgan Chase Bank, National Association | 12 | $5.6M | $470K | 7.65% | 0.00% |
| 8 | Metro City Bank | 12 | $13.8M | $1.1M | 4.65% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 8 | $5.5M | $693K | 5.63% | 0.00% |
| 10 | BayFirst National Bank | 8 | $1.3M | $167K | 9.69% | 12.50% |
| 11 | PromiseOne Bank | 8 | $5.3M | $664K | 5.63% | 0.00% |
| 12 | New Millennium Bank | 7 | $2.3M | $334K | 4.29% | 0.00% |
| 13 | Woori America Bank | 7 | $4.4M | $633K | 4.61% | 0.00% |
| 14 | Celtic Bank Corporation | 5 | $1.7M | $344K | 6.20% | 0.00% |
| 15 | Loyal Trust Bank | 5 | $3.4M | $682K | 5.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.