Running a successful nail salon takes more than skilled technicians and trendy polish colors. In today’s competitive beauty industry, salons must continually invest in equipment, décor, marketing, and client experience. Whether you’re upgrading your space, hiring more staff, or opening a second location, securing capital is key. Thankfully, there are many loans for nail salons designed to help you grow with confidence and flexibility.
Let’s explore your best financing options—and how to use them to build a thriving, modern salon your clients will love.
Nail salon owners apply for loans to support a range of business goals, including:
Renovating or redesigning their salon space
Upgrading chairs, drying stations, or ventilation systems
Purchasing bulk inventory (gels, acrylics, tools)
Hiring and training new technicians
Expanding to a new location or mobile setup
Implementing salon software for booking and payments
Marketing campaigns to reach new clients
With the right loan, you can stay ahead of trends, improve client satisfaction, and boost profits.
| Expense | Estimated Cost |
|---|---|
| Pedicure chairs (each) | $1,500 – $5,000 |
| Manicure tables | $300 – $1,000 |
| Salon ventilation systems | $3,000 – $15,000 |
| Salon remodeling or buildout | $10,000 – $50,000 |
| Inventory (tools, polish, nail art) | $1,000 – $8,000 |
| POS & salon management software | $1,000 – $3,000 |
| Marketing & advertising | $500 – $5,000 |
The U.S. Small Business Administration offers one of the most versatile small business loans available.
Up to $5 million in funding
Low interest rates and long repayment terms (up to 10 years)
Use funds for renovations, staffing, equipment, or working capital
Requires good credit and a detailed business plan
Visit SBA.gov to learn more
Best for: Established salons looking to expand or remodel.
Need new spa chairs, LED lights, or air purification systems? Equipment financing helps you purchase expensive items without paying in full upfront.
Equipment serves as collateral
Terms typically 2–7 years
Fixed monthly payments
Best for: Modernizing your salon with state-of-the-art tools and comfort-enhancing equipment.
These short-term loans help with cash flow or operational needs like inventory, rent, or payroll.
Loan amounts: $5,000 to $500,000
Fast approval (often within 1–3 days)
Short repayment periods: 6–24 months
Slightly higher interest rates
Best for: Keeping operations smooth during slow seasons or launching quick campaigns.
A flexible, revolving source of capital that you can draw from when needed.
Borrow up to $250,000+
Pay interest only on funds used
Ideal for salons with ongoing or unpredictable needs
Best for: Managing seasonal fluctuations or investing in continuous growth efforts.
If you’re just starting out or have limited credit history, consider:
SBA Microloans (up to $50,000)
Community development financial institutions (CDFIs)
Grants for women-, minority-, or veteran-owned beauty businesses
Local small business or beautician-specific contests
Check platforms like IFundWomen or Grants.gov for more.
Identify what type of growth you’re pursuing (new space, equipment, team, etc.)
Estimate your total costs and timeline
Evaluate your credit profile and business history
Compare loan types based on your salon’s specific needs
Gather key documents (tax returns, bank statements, licenses)
Apply to lenders with competitive terms and beauty industry experience
Use funds efficiently—track ROI and adjust as you grow
A nail salon in Houston used a $35,000 working capital loan to renovate their space, add three new pedicure chairs, and run a local Facebook ad campaign. Within four months, they increased weekly bookings by 75% and began offering gel nail art packages that boosted average spend per visit by 30%.
Borrowing too much: Focus on upgrades that bring clear ROI
Neglecting your credit score: Check and improve it before applying
Choosing the wrong lender: Work with lenders that understand salon businesses
Not having a plan: A clear use-of-funds roadmap builds lender trust and guides success
SCORE Business Mentors for Salon Owners
SBA Lender Match Tool
Loans don’t have to feel risky or overwhelming. With the right financing plan, your nail salon can become more profitable, efficient, and inviting. Whether you're buying new chairs, hiring your first receptionist, or opening another location, business loans give you the flexibility to dream big—without sacrificing your stability.
Invest wisely, grow beautifully, and give your salon the glow-up it deserves.