Franchise financing
Hand and Stone Massage and Facial Spa franchise financing
What it costs to finance a Hand and Stone Massage and Facial Spa franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 122
- Total funded
- $69.1M
- Median loan
- $502K
- 7(a) charge-off
- 0.8%
What financing a Hand and Stone Massage and Facial Spa franchise costs
The median SBA loan to a Hand and Stone Massage and Facial Spa franchisee is $502K, and the middle half of Hand and Stone Massage and Facial Spa's 122 loans run $350K to $671K (average $567K). Across all SBA-financed franchises the median loan is $350K. Hand and Stone Massage and Facial Spa buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Hand and Stone Massage and Facial Spa loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 115 Hand and Stone Massage and Facial Spa loans where the SBA recorded a business age, 76.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Hand and Stone Massage and Facial Spa
Hand and Stone Massage and Facial Spa franchisees have financed with 122 SBA loans since FY2010, averaging $567K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (122 of the 122 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Hand and Stone Massage and Facial Spa's 7(a) charge-off rate is 0.8% across 122 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Hand and Stone Massage and Facial Spa
By SBA loan count
- 1. KeyBank National Association 4
- 2. Capital One, National Association 5
- 3. The Bancorp Bank National Association 4
- 4. Penn Community Bank 1
- 5. The Huntington National Bank 9
- 6. JPMorgan Chase Bank, National Association 7
- 7. LendingClub Bank, National Association 5
- 8. Peapack Private Bank and Trust 3
Get matched to a Hand and Stone Massage and Facial Spa lender →
Where Hand and Stone Massage and Facial Spa gets funded
Top states by loan count
- 1. New Jersey 19
- 2. Florida 18
- 3. Texas 14
- 4. North Carolina 8
- 5. Pennsylvania 9
- 6. Maryland 1
- 7. Ohio 5
- 8. California 4
Financing a Hand and Stone Massage and Facial Spa?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Hand and Stone Massage and Facial Spa SBA financing FAQ
How much does a Hand and Stone Massage and Facial Spa franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Hand and Stone Massage and Facial Spa franchisee is $502K, and the middle half of Hand and Stone Massage and Facial Spa's 122 loans run $350K to $671K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Hand and Stone Massage and Facial Spa's franchise disclosure document.
Can you use an SBA loan for Hand and Stone Massage and Facial Spa?
Yes. Lenders have funded 122 SBA loans to Hand and Stone Massage and Facial Spa franchisees, worth $69.1M in all, so Hand and Stone Massage and Facial Spa is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Hand and Stone Massage and Facial Spa?
The data says yes: of Hand and Stone Massage and Facial Spa's 115 SBA loans that record a business age, 76.5% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Hand and Stone Massage and Facial Spa?
By loan count, the most active SBA lenders for Hand and Stone Massage and Facial Spa are KeyBank National Association, Capital One, National Association, The Bancorp Bank National Association, among others. A lender already active with your brand often moves faster.
What is Hand and Stone Massage and Facial Spa's SBA charge-off rate?
Across Hand and Stone Massage and Facial Spa's 122 SBA 7(a) loans, 0.8% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Hand and Stone Massage and Facial Spa?
Mostly 7(a): 122 of Hand and Stone Massage and Facial Spa's 122 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Hand and Stone Massage and Facial Spa loan term is 10 years.