Starbend Commercial Capital, a small-business funding service in Las Vegas, NV, explains hair salon, barbershop and nail salon business loans in Clark County, NV: salon equipment loans for stations and chairs, remodels, booth-rent versus commission income, buying an existing salon, advances and the records partners may review.
| Beauty salons with payroll, county | 486 (CBP 2023) |
|---|---|
| Nail salons with payroll | 198 |
| Barber shops with payroll | 57 |
| Salons with one to four on payroll | 67.7% |
| Beauty salons without payroll | 8,063 (NES 2024) |
| Nail salons without payroll | 4,127 (NES 2024) |
Three business models under one roof
Some salons employ their stylists and pay wages; some pay commission on services; some rent booths or suites to independent operators who pay weekly or monthly rent. A booth-rent salon looks more like a small landlord with rent income; an employee salon looks like a service business with payroll. Partners read the model first, because it decides which revenue is truly the salon's.
Salon equipment loans
Styling stations, hydraulic chairs, shampoo units, dryers, pedicure spas, nail tables, ventilation, barber chairs and sterilization equipment are all financeable. Equipment financing secured by the furniture and fixtures is one route; installation of plumbing for shampoo bowls or pedicure spas is a soft cost. The post on salon furniture and station financing goes through a remodel quote.
Putting a salon request together
For an operating salon, partners read bank and card statements, tax returns, the lease and, for booth-rent models, the rental agreements. Clean separation between the salon's income and the stylists' own income helps. Hair salon business loans for a remodel or an added room can combine equipment financing with a small term loan.
Working capital and advances
Retail product inventory, a slow month or a repair can call for working capital. A salon with heavy card sales may be offered a merchant cash advance; an advance is not a loan, and its total cost deserves a side-by-side comparison with a loan's.
How to buy a nail salon business
Buying an existing nail salon or barbershop means financing the purchase price: equipment, the lease, and the client base that comes with the technicians. One risk is retention, because clients may follow the technician rather than the shop. Partners look at the seller's records, the lease assignment, and agreements with the staff who will stay.
- Seller's bank and card statements and tax returns
- Staff and booth agreements
- Equipment list and condition
- Lease and landlord consent to assign
Business loans for barbers
Clark County, NV had 57 barber shops with employees in 2023, and 87.7% of those had fewer than five (CBP 2023). Nonemployer Statistics, a separate program, recorded 1,605 barber businesses without payroll in 2024. For a single-chair or small shop, equipment financing for chairs and a modest working capital line are two tools to look at.
Illustrative example: four new stations (not an offer)
A salon adds four styling stations with chairs at $2,800 each and one shampoo unit at $3,600: $14,800 in equipment. Over 36 months at an annual rate of 12%, chosen for arithmetic, that is about $492 a month. If the stations are rented to booth renters at $250 a week each, rent covers the payment several times over, but only if the booths fill. Real terms come from a partner.
Clark County, NV salon counts, with and without payroll
Clark County, NV had 486 beauty salons, 198 nail salons and 57 barber shops with employees in 2023 (CBP 2023); 67.7% of the beauty salons had fewer than five employees, and ZIP 89103 had 11 of them (ZBP 2023). Nonemployer Statistics recorded 8,063 beauty salons, 4,127 nail salons and 1,605 barber shops without payroll in 2024, a separate program. Related trades are on the industries page; county figures are on the Las Vegas, NV page.
Retail product inventory
Salons that sell shampoos, styling products and tools carry a small retail inventory alongside services. Product ties up cash on the shelf. A salon with modest retail may cover it from working capital, but a salon opening a larger retail wall may look at inventory financing or a line of credit. Track product sales separately from services so the numbers are easy to read.
Questions before signing a salon equipment offer
- Does the financing cover installation of shampoo units and pedicure spas?
- Is the lien limited to the financed furniture?
- What happens if you relocate before the term ends?
- Are there fees for paying early?
- Who repairs hydraulic chairs and spas during the term?
By Starbend Commercial Capital · Updated