Franchise financing
SUPERCUTS franchise financing
What it costs to finance a SUPERCUTS 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
- 262
- Total funded
- $78.5M
- Median loan
- $150K
- 7(a) charge-off
- 2.3%
What financing a SUPERCUTS franchise costs
The median SBA loan to a SUPERCUTS franchisee is $150K, and the middle half of SUPERCUTS's 262 loans run $119K to $220K (average $300K). Across all SBA-financed franchises the median loan is $350K. SUPERCUTS buyers borrow less 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 SUPERCUTS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 237 SUPERCUTS loans where the SBA recorded a business age, 63.3% went to new businesses two years old or younger. The rest funded existing operations.
How to finance SUPERCUTS
SUPERCUTS franchisees have financed with 262 SBA loans since FY2010, averaging $300K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (262 of the 262 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
SUPERCUTS's 7(a) charge-off rate is 2.3% across 262 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance SUPERCUTS
By SBA loan count
Where SUPERCUTS gets funded
Top states by loan count
- 1. California 28
- 2. Florida 22
- 3. Texas 39
- 4. New Jersey 7
- 5. New York 7
- 6. Nevada 10
- 7. Missouri 10
- 8. Illinois 13
Financing a SUPERCUTS?
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.
SUPERCUTS SBA financing FAQ
How much does a SUPERCUTS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a SUPERCUTS franchisee is $150K, and the middle half of SUPERCUTS's 262 loans run $119K to $220K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of SUPERCUTS's franchise disclosure document.
Can you use an SBA loan for SUPERCUTS?
Yes. Lenders have funded 262 SBA loans to SUPERCUTS franchisees, worth $78.5M in all, so SUPERCUTS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for SUPERCUTS?
The data says yes: of SUPERCUTS's 237 SBA loans that record a business age, 63.3% 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 SUPERCUTS?
By loan count, the most active SBA lenders for SUPERCUTS are Stearns Bank National Association, Live Oak Banking Company, Bank of America, National Association, among others. A lender already active with your brand often moves faster.
What is SUPERCUTS's SBA charge-off rate?
Across SUPERCUTS's 262 SBA 7(a) loans, 2.3% 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 SUPERCUTS?
Mostly 7(a): 262 of SUPERCUTS's 262 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median SUPERCUTS loan term is 10 years.