How have SBA loans in Cosmetics, Beauty Supplies, and Perfume Stores turned out?
Of 3,125 loans approved in fiscal 2001 to 2021 (at least five years old), 808 (25.9%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Cosmetics, Beauty Supplies, and Perfume Stores appears on 3,206 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $531.8 million in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Cosmetics, Beauty Supplies, and Perfume Stores appears on 3,206 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $531.8 million in gross approvals.
Of 3,125 loans approved in fiscal 2001 to 2021 (at least five years old), 808 (25.9%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year
Every approval year
Approval year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2001
86
$9.0 million
68
18
0
20.9%
FY2002
91
$12.2 million
74
16
1
17.6%
FY2003
141
$8.7 million
103
38
0
27.0%
FY2004
299
$17.0 million
203
96
0
32.1%
FY2005
382
$18.6 million
254
127
1
33.2%
FY2006
268
$20.5 million
159
108
1
40.3%
FY2007
342
$24.7 million
171
170
1
49.7%
FY2008
214
$17.6 million
122
92
0
43.0%
FY2009
93
$10.6 million
74
17
2
18.3%
FY2010
89
$16.3 million
74
13
2
14.6%
FY2011
101
$26.9 million
86
14
1
13.9%
FY2012
61
$11.8 million
56
5
0
8.2%
FY2013
78
$22.2 million
66
10
2
12.8%
FY2014
82
$19.0 million
71
11
0
13.4%
FY2015
118
$33.1 million
101
11
6
9.3%
FY2016
120
$44.1 million
99
9
12
7.5%
FY2017
129
$41.6 million
99
16
14
12.4%
FY2018
123
$31.6 million
86
13
24
10.6%
FY2019
124
$42.7 million
76
11
37
8.9%
FY2020
87
$23.9 million
52
9
26
10.3%
FY2021
97
$62.1 million
36
4
57
4.1%
FY2022
50
$6.8 million
14
10
26
too recent for a share
FY2023
15
$9.0 million
0
1
14
too recent for a share
FY2024
10
$1.6 million
2
1
7
too recent for a share
FY2025
4
$145,000
0
0
4
too recent for a share
FY2026
2
$81,500
0
0
2
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2001 to 2021)
Charged off
Share
California
600
192
32.0%
Texas
323
70
21.7%
New York
310
100
32.3%
Georgia
196
47
24.0%
New Jersey
155
43
27.7%
Florida
143
49
34.3%
Illinois
130
25
19.2%
Pennsylvania
91
11
12.1%
Ohio
76
14
18.4%
Tennessee
67
21
31.3%
Virginia
65
16
24.6%
Louisiana
65
16
24.6%
US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.