Sport Clips investment runs $242K–$492K. SBA 7(a) is the primary financing vehicle. Recurring membership and walk-in model creates strong cash flow predictability for DSCR underwriting.
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Sport Clips is a men's and boys' sports-themed haircut franchise with a walk-in model supplemented by the MVP Haircut Club membership program. Locations are typically 1,000–1,400 sq ft in strip mall or inline retail space. The membership component creates recurring revenue that lenders find attractive for DSCR underwriting. Investment range is accessible relative to full-service salon or QSR concepts. This guide covers financing mechanics — see the companion cost-to-start guide for the full investment breakdown.
Per the current Sport Clips FDD, total estimated initial investment runs $242K–$492K. Lenders evaluate:
Sport Clips is on the SBA Franchise Directory, enabling SBA 7(a) lenders to fast-track eligibility. 7(a) is the primary financing vehicle:
SBA 504 is rarely used for Sport Clips because most locations are in leased retail strip mall space rather than owned real estate. If a franchisee is purchasing a small commercial property to house the salon, 504 applies for the real estate component.
Styling chairs, shampoo bowls, barber and salon stations, color bar equipment, and POS/check-in technology are capital items that can be financed separately via equipment loans at 3–5 year terms. Equipment financing reduces the primary SBA loan amount by isolating the equipment cost with the equipment as collateral.
Sport Clips maintains relationships with preferred lenders experienced in the brand's FDD, chair count economics, and membership ramp trajectory. No direct in-house lending or subsidized rates, but preferred lenders underwrite Sport Clips deals efficiently using historical franchise performance data.
Sport Clips requires approximately $200K in liquid assets for prospective franchisees (territory-dependent). SBA's minimum equity injection is 10% of total project cost; most lenders require 15–20% from liquid personal funds. Post-closing reserves cover operating expenses during the 3–6 month membership ramp.
Start at small business financing or apply at Find my match. Your file routes to the funding partners in our network best matched to your file. Related: SBA 7(a) loan application walkthrough · Sport Clips franchise costs.
Yes. Sport Clips is on the SBA Franchise Directory. SBA 7(a) is the primary vehicle for the $242K–$492K investment range. The recurring membership revenue model is viewed favorably by SBA lenders for DSCR underwriting.
Sport Clips requires approximately $200K in liquid assets. SBA's minimum equity injection is 10%; most lenders require 15–20% from liquid personal funds, plus post-closing reserves for the 3–6 month membership ramp.
Yes. The recurring membership revenue component improves DSCR predictability relative to walk-in only haircut concepts. Lenders evaluate the membership ramp timeline and want to see a projection in the business plan.
Yes. Styling chairs, shampoo bowls, and salon technology can be financed via equipment loans at 3–5 year terms, with the equipment as collateral. This reduces the primary SBA loan amount.
Expect 45–75 days from a completed SBA application to funding. Equipment financing for the salon fit-out may process on a parallel track if structured separately.