SALONS BY JC: how its 20 SBA loans actually performed
Beauty Salons · 20 units financed with SBA 7(a) loans since 2010 · 10 lenders have funded this brand.
Defaults run at or below the SBA-wide average
1 of 20 seasoned units charged off — 5.0%, 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 Federal Bank | 6 |
| Wells Fargo Bank National Association | 6 |
| Prosperity Bank | 1 |
| Merchants & Marine Bank | 1 |
| PlainsCapital Bank | 1 |
| SmartBank | 1 |
10 lenders have funded SALONS BY JC since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
SALONS BY JC is a smaller-sample brand: 20 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 20 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 SALONS BY JC SBA loans have defaulted?
1 of 20 seasoned SALONS BY JC SBA 7(a) loans charged off within seven years — a 5.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a SALONS BY JC 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 20 loans it is a smaller sample than our flagship brands.
Which lenders fund SALONS BY JC franchises?
10 lenders have made SBA loans to SALONS BY JC since 2010, led by First Federal Bank.