SBA loans to day spas, medical spas, massage, tattoo and tanning studios in New York
Short answer
SBA's loan file shows 161 loans to day spas, medical spas, massage, tattoo and tanning studios in New York since October 2019. 55.9% went through SBA Express, against 35.5% nationally. 23.6% went to startups, against 40.5% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 161
- median loan
- $90,000
- dollars approved
- $45.6M
- went through SBA Express
- 55.9%
These are the 161 SBA 7(a) loans to day spas, medical spas, massage, tattoo and tanning studios in New York approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How New York differs from the U.S.
What this means for you. SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify.
SBA Express
55.9% of the loans in New York went through SBA Express, against 35.5% nationally.
Startups
23.6% of the loans in New York went to startups, where the loan opens the business, against 40.5% nationally.
Lines of credit
36.0% of the loans in New York were lines of creditA credit limit you can draw on, repay and draw on again. , against 23.8% nationally.
We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table.
New York next to the U.S.
| Measure | New York | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.78% | 1.0% | No clear gap |
| Median loan | $90,000 | $175,000 | Clearly lower |
| Middle half of loans | $25,000 to $326,000 | $50,000 to $498,475 | – |
| Startups (the loan opens the business) | 23.6% | 40.5% | Clearly lower |
| In business 2 years or less | 19.3% | 18.7% | No clear gap |
| In business more than 2 years | 50.3% | 34.7% | Clearly higher |
| Change of ownership | 5.0% | 5.4% | No clear gap |
| SBA Express | 55.9% | 35.5% | Clearly higher |
| Lines of credit | 36.0% | 23.8% | Clearly higher |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 3 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in New York
The 5 lenders below made 88 of the 161 loans approved October 2019 to June 2026, or 54.7%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| M&T Bank | 36 | 22.4% | 3.8% |
| TD Bank | 29 | 18.0% | 3.8% |
| The Huntington National Bank | 10 | 6.2% | 21.2% |
| JPMorgan Chase Bank | 7 | 4.3% | Not in top 5 |
| Newtek Bank | 6 | 3.7% | 3.8% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Day spas, medical spas, massage, tattoo and tanning studios in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 330 |
| Texas | 322 |
| Ohio | 188 |
| Georgia | 101 |
| North Carolina | 100 |
| Massachusetts | 87 |
| Tennessee | 75 |
| Oregon | 62 |
More industries in New York
Other industries in New York with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 945 |
| Home remodeling contractors | 609 |
| Fast-food, pizza and counter-service restaurants | 549 |
| Plumbing and HVAC companies | 347 |
| Hair salons and beauty salons | 321 |
| Paving, fencing, pool and other specialty contractors | 316 |
| Gyms, fitness studios and recreational sports centers | 313 |
| Landscaping and lawn care companies | 277 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
Download this page's data: JSON · CSV
Cite this page: SBA loans to day spas, medical spas, massage, tattoo and tanning studios in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/other-personal-care-services/new-york/
Ask lending partners about your loan in New York
Tell us your state, loan amount and purpose, and we route your inquiry to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.