Salon Business Loans in Bartlett, TN: Dryers, Nail Tables and Movable Equipment

A hair salon moving into a suite can use styling chairs, hooded dryers and mirrored stations; fixed water lines, drains and wall work are excluded. The chairs and dryers are equipment financing.

Small shops are the rule in this trade. Shelby County, TN had 102 beauty salons under five employees out of 169 with paid staff in 2023, a 60.4% share (CBP, NAICS 812112), so a request can stay modest and name one station set at a time.

Illustration only, invented figures: 4 styling chairs at $1,150, 2 hooded dryers at $890 and a $2,400 color bar total $8,780. Over 36 months at a 12.5% annual rate, the payment in this example is $293.72 a month.

Not every salon cost is a machine. Color stock and retail shelves turn over every few weeks, a renter leaving a booth takes their rent with them, and a slow month still has a lease payment. Each of those fits a different product:

A merchant cash advance follows card sales up and down, which suits a salon whose weeks are uneven, but it is priced at a factor rate, and its total cost is worth comparing with a term product before signing. Working capital has a fixed schedule instead.

A barber shop's large purchases are the hydraulic chairs and the sign over the door. Clippers, trimmers and shears wear out and get replaced one at a time, which is a cash or credit line cost rather than a loan of its own. The chairs are equipment; a lit storefront sign is a fixture that can go in the same request as a separate line.

Barber shops have their own NAICS code, 812111, apart from beauty salons. Their Shelby County, TN employer and nonemployer counts are on the industries page, in the personal care group.

A barber adding chairs for new barbers can show the chair rent or commission each new chair is expected to bring, which is the figure a partner can weigh against the payment.

Self-contained pedicure units, nail tables with downdraft vents and portable filtration can be quoted as equipment; fixed plumbing and ventilation work are excluded.

Illustration only, invented figures: 4 pedicure chairs at $3,900, 6 vented nail tables at $650 and $5,200 of portable filtration equipment come to $24,700; over 48 months at a 13% annual rate that is $662.64 a month in this example.

Fewer than five people worked at 59 of the 84 Shelby County, TN nail salons that had any payroll in 2023 (70.2%, County Business Patterns, NAICS 812113), so a request sized to a few stations fits the scale of the trade. Nonemployer Statistics separately counted 2,236 nail salons in the county with no paid employees in 2024. A nail tech booking alone can start with one or two stations and add more as the book fills.

A stylist running a suite alone, with no payroll, is the kind of business Nonemployer Statistics counts: 8,077 beauty salons in Shelby County, TN had no paid employees in 2024. For that stylist, the suite lease deposit and the first months of rent are working capital costs, and the color bar and styling chairs are equipment.

A freestanding color bar can be compared on a fixed term; fixed wall and plumbing work are excluded. Signing a suite lease is not real estate lending; buying the building would be, and Eaglestone Funding Group does not arrange that.

For 2023, ZIP 38134 had 12 beauty salons with paid employees (ZIP Code Business Patterns). The Bartlett, TN page has more on the local figures.