Salon Renovation Financing — Stations, Plumbing, Reception

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.

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.

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

1. Split dealer chairs from GC / plumbing / lighting.
2. Run the remodel amount in the calculator on 5 years, then stress 3 and 7.
3. Submit the unsecured financing form. Thin revenue: intro 0%.
4. Buying the building? Request commercial financing.

Pre-qualify for salon renovation capital · Intro 0% funding · (833) 264-7776

Quick answer: salon renovation financing

Salon renovation financing is an unsecured term loan from $50,000–$500,000 for plumbing, stations, millwork, lighting, and reception work on a suite you operate or are opening. Terms are 3, 5, or 7 years, often funded in 3–10 business days, with no lien on the leasehold. Pricing is quoted per file in an approximate 6%–18% band.

Hydraulic chairs and dryers with dealer invoices stay on equipment financing at 6%–14%. Booth-heavy suites must size the payment from house net, not gross stylist revenue.

Typical salon and spa remodel costs

Line item	Typical range	Notes
Plumbing for wash stations	$20,000–$55,000	Often the surprise line
Millwork and reception	$18,000–$48,000	Stays on this page
Lighting and electrical	$12,000–$35,000	Mixed GC labor
Treatment-room buildout	$25,000–$70,000	Med-spa / nail expansion
Chairs (dealer invoice)	Separate	Equipment 6%–14%

A 6-chair color suite adding 2 chairs commonly needs $75,000–$110,000 of GC-heavy work before equipment is split out.

Booth rent vs commission: how it affects the file

Commission salons underwrite from house net after payroll and product. Booth suites underwrite from rent and house services you actually keep — not every dollar that crosses the front desk.

If 80% of stylists are booth renters paying weekly rent, a $90,000 note must be covered by your share plus any house services, not by stylists who can leave during a two-week closure.

Mistakes that stall salon remodel files

1. Mixing eight chairs into one GC invoice without splitting dealer paper.
2. Lease with 14 months left and a six-figure plumbing scope.
3. Lift model uses gross book, not house keep after booth rent.
4. No plan for half-booked weeks while plumbing is offline.
5. Partner buyout language on a TI-only scope — use acquisition financing instead.
6. Treating intro 0% as permanent — window is 6–18 months, then quoted pricing.

Documents to gather before you apply

• Two years personal tax returns
• Salon bank statements (12 months if available)
• GC bid with chairs on a separate dealer quote
• Lease with remaining term and alteration clause
• Booth agreement summary if rent drives most revenue
• Insurance certificate if med-spa services are in scope

Payment stress test on $90,000 of plumbing and millwork

At illustrative 12.5% over 5 years: about $2,025 per month. If 12 extra tickets a week at $95 with 45% house keep does not clear that line after rent, reduce scope or extend to 7 years only if total interest still makes sense.

Related paths on this site

• Unsecured term loans · unsecured term loan calculator
• Intro 0% business financing
• Equipment financing
• Partner buyout
• SBA 7(a) when buying the business or building

Scenario: two-chair expansion on a booth-heavy suite

A 7-chair suite is 70% booth rent. House net is $2,800 a week. The plumber needs $38,000 for two new wash stations; millwork and lighting add $44,000. Chairs are $16,000 on a dealer invoice — equipment, not this note.

The owner models 10 extra color tickets a week at $95 with 45% house keep — not stylists’ gross. Closure is 10 half-booked days. A 5-year note at 12.5% on $82,000 is about $1,848 a month. If two booth stylists leave during construction, the lift disappears — document retention in the scope narrative.

Lease has 38 months remaining — acceptable for an 82,000 note. Intro 0% stays the path if the suite has no trailing salon return yet.

Glossary: salon renovation financing terms

• House keep: Revenue the salon owner retains after booth rent or commissions — the number that must cover the installment.
• Wash station plumbing: Often the largest line on a chair-add project — stays on unsecured when mixed with GC labor.
• Booth rent: Weekly rent stylists pay for chair space — high booth mix shrinks the net available for debt service.
• TI shortfall: Landlord allowance minus actual buildout cost — common trigger for unsecured draw.
• Dealer invoice: Vendor quote with serial numbers for chairs — routes to equipment at 6%–14%.

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.