MERLE NORMAN COSMETICS: how its 33 SBA loans actually performed
Cosmetics, Beauty Supplies, and Perfume Stores · 33 units financed with SBA 7(a) loans since 2010 · 23 lenders have funded this brand.
Defaults run at or below the SBA-wide average
1 of 26 seasoned units charged off — 3.8%, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| First Mid Bank & Trust, National Association | 4 |
| The Huntington National Bank | 4 |
| VelocitySBA, LLC | 2 |
| PNC Bank, National Association | 2 |
| Centennial Bank | 2 |
| Celtic Bank Corporation | 2 |
23 lenders have funded MERLE NORMAN COSMETICS since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
MERLE NORMAN COSMETICS 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 MERLE NORMAN COSMETICS SBA loans have defaulted?
1 of 26 seasoned MERLE NORMAN COSMETICS SBA 7(a) loans charged off within seven years — a 3.8% default rate, against 5.7% across all SBA 7(a) loans.
Is a MERLE NORMAN COSMETICS franchise a safe SBA loan bet?
By the numbers its default rate is below 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 MERLE NORMAN COSMETICS franchises?
23 lenders have made SBA loans to MERLE NORMAN COSMETICS since 2010, led by First Mid Bank & Trust, National Association.