Equipment Financing for Tattoo Studios and Piercing Shops

Starting or scaling a tattoo or piercing business takes more than artistic talent—it requires the right gear. From tattoo machines and power supplies to autoclaves, chairs, and lighting, studio equipment can cost thousands. But here's the good news: equipment financing for tattoo studios and piercing shops makes it possible to get everything you need without paying all at once.

Whether you’re launching a new studio or upgrading your current space, financing helps you access professional tools while keeping cash flow intact.

Can Tattoo Studios Finance Equipment?

Yes! Tattoo and piercing shops can finance or lease studio chairs, machines, lighting, and sterilization equipment through flexible equipment financing programs.

Why Finance Instead of Paying Upfront?

Outfitting a tattoo or piercing studio can easily run $10,000 to $50,000+, especially if you’re setting up multiple stations. Financing allows you to:

• Preserve capital for rent, marketing, and supplies

• Make predictable monthly payments that fit your budget

• Get top-quality tools and furnishings from day one

• Upgrade gear more easily as your business grows

• Potentially write off lease payments as a business expense (check with your tax pro)

Related: How to Budget for Equipment Leasing Effectively

What Tattoo & Piercing Equipment Can You Finance?

You can lease or finance nearly all the core tools and furniture in your studio, including:

🎨 Tattoo Equipment

• Rotary or coil tattoo machines

• Power supplies, foot pedals, and clip cords

• Arm rests, portable trays, and LED task lighting

• Adjustable client chairs and artist stools

• Digital stencils, thermal copiers, and iPads

• Autoclaves and sterilization equipment

📌 Piercing Studio Essentials

• Sterile needles, clamps, and marking tools

• Piercing guns (where legal) and forceps

• Jewelry displays and storage

• Treatment tables and chairs

• UV sterilizers and sharps containers

🛋️ Studio Furnishings

• Reception desks and display counters

• Waiting area seating and décor

• Wall lighting and signage

• Security systems and POS terminals

Tip: Some vendors offer package deals, bundling your entire studio setup into one affordable lease.

Sample Equipment Costs and Estimated Monthly Payments

Where to Get Equipment Financing

Tattoo and piercing studios can finance equipment through:

• Specialized lenders in salon and studio industries

• Third-party leasing providers (e.g., TimePayment, Geneva Capital)

• Vendor financing
  offered by tattoo supply companies

• SBA microloans or business loans

• Personal loans or credit lines (if just starting out)

Related: Essential Tips for First-Time Equipment Leasing

What You’ll Need to Apply

To get approved, most lenders will request:

• Business license or EIN

• Equipment invoice
  or vendor quote

• 3–6 months of bank statements

• Credit score (600+ preferred)

• Personal guarantor for newer businesses

If you're just starting out, having a basic business plan can help strengthen your application.

Summary: Equipment Financing for Tattoo and Piercing Studios

• Lease or finance tattoo machines, chairs, lighting, and piercing gear

• Affordable monthly payments protect your cash flow

• Ideal for new or expanding studios

Final Thoughts: Build Your Studio Without the Stress

Your creativity is your greatest asset—but without the right tools and space, your potential is limited. Equipment financing gives you the freedom to build or expand your studio on your terms. With the right setup, you’ll attract more clients, increase efficiency, and grow your brand.

Take Action: Apply for Tattoo and Piercing Studio Financing Today

Ready to launch or upgrade your studio?
Apply now for tattoo and piercing equipment financing and get the gear you need to create bold, professional work—without the financial strain.