This Hollygrove Lenders page covers loans for Fort Pierce, Florida beauty salons, nail salons and barber shops: remodels, stations and payroll, St. Lucie County, FL salon counts, solo stylists and booth renters, stations and pedicure chairs, ventilation and plumbing, card sales and cash advances, needs matched to funding types, a worked refit and the records a partner reads.
At a glance
- Beauty salons with employees
82 (County Business Patterns 2023)
- Nail salons with employees
18 (County Business Patterns 2023)
- Beauty salons without employees
1,303 (Nonemployer Statistics 2024)
Salon Business Loans for Remodels, Stations and Payroll
Salons borrow for chairs and stations, shampoo bowls and backbars, pedicure spas, dryers, ventilation, lighting and a remodel that changes how the room works. They also borrow for time: payroll and product orders while a remodel slows bookings.
Fixed equipment fits equipment financing, a full remodel fits a term loan, and a short gap fits working capital.
Beauty Salons, Nail Salons and Barber Shops in St. Lucie County, FL
County Business Patterns counted 82 beauty salons, 18 nail salons and 10 barber shops with employees in St. Lucie County, FL in 2023, 110 in all (our arithmetic, adding three codes; County Business Patterns 2023). Most were small: 78.0% of beauty salons, 88.9% of nail salons and 90.0% of barber shops had fewer than five employees.
Beauty salons with employees had 263 people on payroll between them. ZIP 34950 had 4 beauty salons (ZIP Code Business Patterns 2023).
Solo Stylists and Booth Renters in the Nonemployer Count
Nonemployer Statistics counted 1,303 beauty salons, 823 nail salons and 272 barber shops in St. Lucie County, FL with no paid employees in 2024, 2,398 in all (our arithmetic, adding three codes; Nonemployer Statistics 2024). Many are single stylists working on their own or renting a booth in someone else's salon. These counts come from a separate program and year, so they are never added to the employer counts above.
A booth renter's funding request is read mostly through personal credit and the stylist's own deposits. A salon owner whose revenue includes booth rent should show that income separately in the records.
Styling Stations, Shampoo Bowls and Pedicure Chairs
Styling chairs, stations with mirrors and storage, shampoo bowls with chairs, color bars and dryers make up a salon's floor. Nail salons add pedicure spas with plumbing and drain connections, manicure tables and ventilation. Barber shops need chairs, stations and sterilization equipment.
A package bought from one supplier can be financed together on one quote, with the equipment as collateral. Salon furniture holds some resale value, but less than a lift or a mower, so a partner may ask for a down payment or lean more on the owner's credit than it would for a heavy machine.
Ventilation and Plumbing in a Salon Build-Out
Nail salons need ventilation that pulls fumes away from technicians and clients; pedicure spas and shampoo bowls need water and drains in the right places. That work is a build-out, done by licensed trades under a permit, rather than equipment that can be removed.
Price the build-out separately from the chairs and spas. A partner may finance the equipment against itself and the build-out on a term loan.
Before the contractor starts, check whether the landlord must approve the work and who owns the improvements when the lease ends. A partner funding a build-out reads the lease for both points, and a short remaining term can limit how long the loan may run.
Card Sales, Retail Product and Cash Advances in a Salon
Salons take card payments all day and sell retail product at the front desk, which makes them candidates for merchant cash advances. An advance pays a sum now for a share of future card receipts and can cost a great deal next to an equipment loan for the same chairs.
Merchant cash advances explains factor and holdback. Compare the total to be remitted with the total cost of financing the equipment before choosing.
Salon Purchases Mapped to Funding Types
| The purchase | Funding type to start with |
|---|---|
| Chairs, stations, pedicure spas, dryers | Equipment financing |
| A full remodel with plumbing and ventilation | Term loan |
| Payroll while a remodel slows bookings | Working capital |
| Retail product stock | Inventory financing |
A request can combine two rows when a remodel brings new equipment.
A Four-Chair Nail Salon Refit With Invented Prices
Illustration only, invented figures: a nail salon replaces 4 pedicure spas at $4,900 each and upgrades its ventilation for $6,200, a project of $25,800 (our arithmetic). Financed together over 48 months at an invented 12% annual rate, the invented payment is about $679 a month and $32,612 in total (our arithmetic).
A partner might instead finance the spas as equipment and the ventilation as a build-out, on two different terms. Ask how each would be priced.
Booking Reports and Bank Statements for a Salon Request
- Booking or point-of-sale reports by month.
- Bank statements showing card deposits.
- Booth rental agreements, if any stylists rent chairs.
- The lease, since a remodel ties the salon to its location.
- Quotes for equipment and for the build-out, kept separate.
Fort Pierce, FL figures and the other industry pages include the gym page for other personal-service businesses.
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