Spavia
21
SBA Loans
$9.9M
Total Financed
$470K
Avg Loan Size
—
YoY Loan Growth
How Spavia Compares
- Ranks #37 of 156 Personal Care & Beauty brands by SBA loan count (#508 of 3,543 overall).
- Its average loan of $470K is 29% above the Personal Care & Beauty median of $366K.
- Its 0.0% charge-off rate compares to a 1.5% average across all Personal Care & Beauty brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 3 | $1.2M |
| FY2021 | 3 | $1.6M |
| FY2023 | 4 | $2.0M |
| FY2024 | 1 | $332K |
| FY2025 | 5 | $2.8M |
| FY2026 | 5 | $1.8M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Spavia Is Getting SBA-Financed
Recent SBA-Financed Spavia Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Spavia growing or shrinking?
Spavia doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #37 of 156 Personal Care & Beauty brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Spavia franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $470K (29% above the typical Personal Care & Beauty brand's $366K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Spavia?
0 of 21 SBA loans to Spavia franchisees (0.0%) have been charged off since FY2020, compared to 1.5% across all Personal Care & Beauty brands.
Top SBA Lenders
- The Huntington National Bank8
- TD Bank, National Association2
- Frandsen Bank and Trust2
- Uwharrie Bank1
- Midwest Regional Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset