Salon Business Loans in Loveland, CO: Stations, Shampoo Bowls and Build-Outs

Beauty Salon Loans Beside Larimer County, CO Salon and Barbershop Counts

County Business Patterns counted 132 beauty salons, 36 nail salons and 16 barber shops with paid employees in Larimer County, CO in 2023, 184 in all with 1,098 employees (our arithmetic; Census County Business Patterns 2023). Among the beauty salons, 57.6% employed fewer than five people. 27 of the 184 had a ZIP 80537 address (our arithmetic; Census ZIP Code Business Patterns 2023).

Far more salon businesses operate without employees. Nonemployer Statistics counted 683 beauty salons, 150 nail salons and 73 barber shops with no paid employees for 2024 (Census Nonemployer Statistics 2024), a separate program that is not added to the employer counts. Many of those are stylists renting a chair or a suite, which shapes how a funding request reads.

Salon Equipment Financing for Hydraulic Chairs and Pedicure Spas

Illustration only, invented figures: a salon adds 6 hydraulic styling chairs at $1,900 and 4 pedicure spas at $7,200, $40,200 in all. Over 48 months at an invented 11% annual rate, the payment is about $1,039 a month (our arithmetic). Chairs and dryers move easily and are simple to value; plumbed spas and shampoo bowls are partly fixed to the space.

The equipment financing page has a salon section, and the article on equipment loans and capital leases compares owning and leasing for studios and salons.

Hair Salon Business Loans for Booth-Rental and Commission Shops

How a salon pays its stylists changes what a partner reads. In a commission salon, service revenue runs through the owner's account and stylists are on payroll, so deposits look large and payroll is a major cost. In a booth-rental salon, stylists pay rent for their chairs and keep their own service revenue, so the owner's deposits are mainly rent and retail product sales.

Neither model is better for a funding request, but the request should say which it is. A partner reading a booth-rental salon's statements needs to know that steady weekly rent deposits are the business, not a sign of low sales.

Buying an Existing Salon: Client Lists, Stylists and the Lease

Illustration only, invented figures: a stylist buys an established salon for $165,000, puts $33,000 down and finances the rest over 84 months at an invented 10% annual rate, about $2,191 a month (our arithmetic). The value of a salon sits in its stylists and their clients, and both can walk out the door, so a partner will ask how many stylists are staying and whether the seller will stay through a transition.

• The seller's tax returns and point-of-sale reports.
• A list of stylists, their tenure and whether they rent or work on commission.
• The salon lease and the landlord's written go-ahead for a new tenant-owner.
• An equipment list with ages.

Nail Salon Loans and Ventilation Upgrades

Nail salons carry costs that hair salons may not: pedicure spas with plumbing, manicure tables with ventilation, and air handling for product fumes. Illustration only, invented figures: a $23,000 ventilation upgrade financed as part of a remodel spreads that cost over the years the system serves. Licensing for nail technicians runs through the state's barber and cosmetology licensing office.

The article on what it takes to finance a nail salon works through a full set of nail salon costs.

Leasing a Salon Suite Before Financing the Build-Out

A salon build-out sits inside a leased space, so the lease shapes the funding. A partner will check that the lease runs at least as long as the loan, that the landlord allows the plumbing and electrical work, and whether the landlord contributes a tenant improvement allowance. An allowance reduces the amount to finance; a short lease with no renewal option makes a long loan hard to justify.

Card Deposits and Product Sales in a Salon's Request

Salon revenue arrives in card batches, cash and retail product sales. Statements that show steady card deposits week to week give a partner a clear read. Retail product sales bring a second, smaller funding need: shelf stock, which inventory financing or a line of credit can carry. A salon with a strong card history may be offered a merchant cash advance; compare its total cost with an equipment loan before accepting. Showing card, cash and product revenue as separate lines makes the statements easier for a reviewer to follow.

A longer read covers what it takes to finance a nail salon, from pedicure spas to buying an existing shop.

By Rowanrun Business Loans · Updated October 22, 2026