Franchise brands › Hammer & Nails Grooming For Guys
Franchise brand57 approvals since FY2017
SBA loans to Hammer & Nails Grooming For Guys franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2017, 57 SBA loan approvals worth $26.6M carry the Hammer & Nails Grooming For Guys franchise code, 44 of them in FY2021 to FY2025.
In FY2025 there were 13. The average approval in the five-year window was $477K.
16 lenders made the FY2021 to FY2025 loans across 14 states; the most active were The Huntington National Bank (25), Citizens Bank (4) and Georgia's Own Credit Union (2).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 5 | $3.2M | $632K | 0 | 89 |
| FY2025 | 13 | $8.6M | $660K | 0 | 218 |
| FY2024 | 6 | $2.5M | $411K | 0 | 187 |
| FY2023 | 12 | $4.5M | $374K | 0 | 318 |
| FY2022 | 11 | $4.8M | $435K | 0 | 206 |
| FY2021 | 2 | — | — | 0 | 30 |
| FY2020 | 3 | $852K | $284K | 0 | 63 |
| FY2019 | 1 | — | — | 0 | 30 |
| FY2018 | 3 | $899K | $300K | 0 | 39 |
| FY2017 | 1 | — | — | 0 | 9 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Hammer & Nails Grooming For Guys". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Hammer & Nails Grooming For Guys | All SBA loans |
|---|---|---|
| Approvals in these years | 10 | 725,496 |
| Cancelled or never disbursed | 1 | 91,827 |
| Disbursed loans | 9 | 633,669 |
| Paid in full | 4 | 471,304 |
| Charged off | 1 | 37,796 |
| Still outstanding (status exempt from disclosure) | 4 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 25 | $9.6M | 56.8% | |
| 2 | Citizens BankElizabethton, TN | 4 | $2.6M | 9.1% | |
| 3 | Georgia's Own Credit UnionAtlanta, GA | 2 | — | 4.5% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 2.3% | |
| 5 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.3% | |
| 6 | Bank of ClarkeBerryville, VA | 1 | — | 2.3% | |
| 7 | Meridian BankMalvern, PA | 1 | — | 2.3% | |
| 8 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.3% | |
| 9 | Wilmington Savings Fund Society FSBWilmington, DE | 1 | — | 2.3% | |
| 10 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.3% | |
| 11 | Triad Bank, National AssociationTulsa, OK | 1 | — | 2.3% | |
| 12 | Buckeye State BankPowell, OH | 1 | — | 2.3% | |
| 13 | First Commonwealth BankIndiana, PA | 1 | — | 2.3% | |
| 14 | AMPAC Tri-State CDC, Inc.Ontario, CA | 1 | — | 2.3% | |
| 15 | Main Street LaunchOakland, CA | 1 | — | 2.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Ohio | 16 | 36.4% | |
| 2 | Georgia | 4 | 9.1% | |
| 3 | Texas | 4 | 9.1% | |
| 4 | Connecticut | 4 | 9.1% | |
| 5 | Utah | 2 | 4.5% | |
| 6 | District of Columbia | 2 | 4.5% | |
| 7 | Pennsylvania | 2 | 4.5% | |
| 8 | Nevada | 2 | 4.5% | |
| 9 | California | 2 | 4.5% | |
| 10 | Florida | 2 | 4.5% | |
| 11 | New Jersey | 1 | 2.3% | |
| 12 | Illinois | 1 | 2.3% | |
| 13 | Oklahoma | 1 | 2.3% | |
| 14 | Kansas | 1 | 2.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Personal Care ServicesNAICS 8121 | 44 | 100.0% |
Approval sizes
- $50,000 or less22.7%10
- $50,001 to $150,0004.5%2
- $150,001 to $350,0009.1%4
- $350,001 to $1 million61.4%27
- $1 million to $2 million2.3%1
Age of the businesses
- Existing, more than 2 years old2.3%1
- New business, 2 years or less6.8%3
- Startup, loan funds will open the business90.9%40
Questions and answers
How many SBA loans go to Hammer & Nails Grooming For Guys franchises?
57 approvals since FY2017, worth $26.6M; 44 in FY2021 to FY2025.
Which lenders make SBA loans for Hammer & Nails Grooming For Guys franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (25), Citizens Bank (4), Georgia's Own Credit Union (2), Readycap Lending, LLC (1), First Bank of the Lake (1).
How large is a typical SBA loan for a Hammer & Nails Grooming For Guys franchise?
The average approval in FY2021 to FY2025 was $477K.
What share of Hammer & Nails Grooming For Guys SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to Hammer & Nails Grooming For Guys franchises rising?
Approvals in the three latest complete fiscal years total 31, against 16 in the three before: rising (+94%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error