A salon remodel is plumbing, not a haircut special. Stations, shampoo bowls, lighting, and a reception desk that can take a deposit are mixed invoices. A UCC desk wants a serial number on a chair. The plumber’s bill does not have one.
Salon renovation financing is an unsecured term loan from $50,000–$500,000 for that leasehold work. Terms are 3, 5, or 7 years, often funded in 3–10 business days, with no lien on the suite. Pricing is quoted per file in an approximate 6%–18% band.
Jaken Finance Group originates property loans. Suite plumbing, lighting, and millwork pre-qualify on a separate unsecured form.
Pre-qualify for an unsecured term loan →
See if you qualify for intro 0% funding →
Parent product: unsecured term loans. Intro window: 0% interest business financing. Serial-numbered chairs: equipment financing.
What the money is for in a salon or spa
- Stations, plumbing, and electrical when you are adding chairs the suite was not built for
- Reception, lighting, and millwork that set the ticket, not a poster
- Treatment-room finishes for a med-spa or nail expansion that share one GC bid
- A second-location TI shortfall when the landlord’s allowance ends at demising walls
- A phased refresh that cannot wait on SBA 7(a)
If the invoice is eight hydraulic chairs from one dealer, start on equipment at 6%–14%. If the invoice is copper, tile, drywall, and the chairs mixed together, stay here or split the chairs off.
Booth-renter rooms underwrite differently from employee payroll. If most of the ticket walks out as rent to independent stylists, a $90,000 note has to be paid from your share, not from the full book. Count booth checks you actually keep after product, before you size the remodel. A suite that is 80% booth with thin house services is a thinner file than a commission salon with the same chair count.
Model extra tickets against the note
Default load: a $90,000 plumbing, millwork, and lighting bid, 12 extra tickets a week, a $95 average ticket, 45% house keep, $2,800 current weekly house net, and 2 weeks half-booked. A 5-year note at an illustrative 12.5% is about $2,025 a month. Count only the share the house keeps. Extra color tickets do not help if stylists leave during the remodel.
Salon remodel vs the payment
Test whether extra tickets from new stations, plumbing, and reception cover the note after the house keep — not the full book. Booth-renter rooms must use the share you actually keep. Estimates only. Pricing is quoted per file.
Monthly payment
—
Fully amortizing
Extra monthly house net
—
After the remodel is open
Coverage
—
Lift ÷ payment
Net monthly after payment
—
Does not include construction weeks
Construction hole
—
Lost weekly net + payments while dark
Months to fill the hole
—
If net monthly stays this high
Thin revenue or a new location? See intro 0% funding
Tool-only payment: unsecured term loan calculator.
Unsecured vs equipment vs SBA vs intro 0%
| Need | Better first call |
|---|---|
| Plumbing, lighting, reception, mixed GC | This page |
| New suite, thin or no revenue | Intro 0% business financing |
| Chairs, dryers, lasers with a vendor invoice | Equipment financing, 6%–14% |
| Buy the salon or the building, 45–90 days | SBA 7(a) / SBA 504 |
| Booth-renter buyout or partner split | Acquisition and partner buyout |
Do not mash unsecured 6%–18% with equipment 6%–14%.
Worked example: eight stations, plumbing first
A six-station color salon is adding two chairs. The plumber’s bid is $38,000. Millwork and lighting are $44,000. Chairs are $16,000 on a dealer invoice.
Put $82,000 on this unsecured note. Put $16,000 on equipment — or pay cash if it is below the unsecured $50,000 floor. Mixing the chairs into the GC invoice just to hit a round number is how you overpay for assets that should have been UCC paper.
Worked example: first location, no P&L
A stylist with strong personal returns and a signed lease, but no salon tax return, is a thin term-loan file. Intro 0% is the conversation when the 6–18 month window is the point. If SBA will clear and the landlord will wait, SBA is still cheaper long-term.
What underwriting still wants
- Two years of personal tax returns
- FICO 8 — no published minimum
- Lease remaining term (salon buildouts die when the lease has 14 months left)
- GC bid and, if you have them, chair invoices split out
- Booth-renter vs employee mix if that is how the room earns
How to apply
- Split dealer chairs from GC / plumbing / lighting.
- Run the remodel amount in the calculator on 5 years, then stress 3 and 7.
- Submit the unsecured financing form. Thin revenue: intro 0%.
- Buying the building? Request commercial financing.
Pre-qualify for salon renovation capital · Intro 0% funding · (833) 264-7776
Sources
Beauty-salon 7(a) files are high count, smaller checks — often inside this $50,000–$500,000 box — but those loans still take the SBA calendar. SBA loan programs. FTC small-business financing notes if a vendor is selling “same-week money” without a payment you can calendar. Consumer mortgage ATR: CFPB — not this product.
Calculator figures are estimates for a suite refresh, not a quote. Jaken Finance Group originates the property loan if you buy the building. Unsecured term-loan and intro 0% pre-qualification stay on separate applications.