ARMSTRONG MCCALL: how its 31 SBA loans actually performed
Cosmetics, Beauty Supplies, and Perfume Stores · 31 units financed with SBA 7(a) loans since 2010 · 19 lenders have funded this brand.
4 of 26 owners defaulted on their SBA loan
That is 15.4% — roughly 3 times the 5.7% average across all SBA 7(a) loans. It does not make this a bad business. It makes it an expensive one to finance.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| JPMorgan Chase Bank, National Association | 7 |
| Wells Fargo Bank National Association | 3 |
| First United Bank and Trust Company | 3 |
| First National Bank and Trust Company of Weatherford d/b/a First Bank Texas | 2 |
| Third Coast Bank | 2 |
| Regions Bank | 1 |
19 lenders have funded ARMSTRONG MCCALL since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
ARMSTRONG MCCALL is a smaller-sample brand: 26 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 26 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many ARMSTRONG MCCALL SBA loans have defaulted?
4 of 26 seasoned ARMSTRONG MCCALL SBA 7(a) loans charged off within seven years — a 15.4% default rate, against 5.7% across all SBA 7(a) loans.
Is a ARMSTRONG MCCALL franchise a safe SBA loan bet?
By the numbers its default rate is above the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 26 loans it is a smaller sample than our flagship brands.
Which lenders fund ARMSTRONG MCCALL franchises?
19 lenders have made SBA loans to ARMSTRONG MCCALL since 2010, led by JPMorgan Chase Bank, National Association.