A Florida City, FL nail salon can pay for pedicure chairs, manicure tables and portable filtration with one equipment loan when each item has a quote, and fund movable furnishings, opening supplies and early payroll with a term loan or working capital. Millview passes the request to an independent partner for its decision. Fixed plumbing and ductwork are excluded.
How a Florida City, FL nail salon can fund its stations, a move and a new location, with invented examples computed in full.
Pedicure chairs, tables and portable filtration on one plan
A nail salon can quote pedicure chairs with self-contained basins, manicure tables and portable filtration as one movable equipment package. Funding them together on one equipment financing plan means one payment and one collateral package. Fixed ductwork and plumbing are excluded; the supplier can identify the filtration model on the quote.
Invented figures for illustration, not an offer: 6 pedicure spa chairs at $3,450 each, 6 manicure tables with built-in downdraft vents at $1,180 each, and a portable filtration unit at $6,900. The package totals $34,680. Fixed ceiling exhaust systems and ductwork are excluded. Over 48 months at an invented 12.5% annual rate, the installment is $921.79, and the 48 installments come to $44,245.92.
Spread across the 6 pedicure chairs and 26 open days a month, that installment is $5.91 per chair per day, one way to test the package against the price of a pedicure. Quotes should list each item separately, with the chair model and portable filtration unit's rating, so a partner can see what the loan buys. The salons page covers barber shops and beauty salons as well.
Movable furnishings for a second location
Growing an established salon can mean adding movable stations or opening a second location. Supplier setup can interrupt appointments, and a move can create overlapping rent. Self-contained pedicure units can be quoted separately from fixed drains and plumbing, which are not funded through this site.
Invented example, not an offer: a move with 2 months of overlapping rent at $3,100 a month costs $6,200 before supplier setup. Self-contained pedicure stations cost $14,500, movable lamps and dryers $5,200, and freestanding partitions and movable flooring panels $6,800, $26,500 in all. The owner can compare a term loan with equipment financing for that movable package; fixed plumbing, wiring and floor work are excluded.
The lease can govern supplier setup and any landlord consent needed for movable equipment. Fixed drains, exhaust penetrations and electrical upgrades are excluded from funding through this site; any tenant allowance is a lease matter. Millview Funding arranges no property loans.
Supplies and payroll while a second location ramps up
A second location can open before its appointment book fills. Payroll for technicians on hourly pay or a commission guarantee, and the polish, gel, files and disposables they use, start on day one. Invented example: supplies at $650 a week and a $4,200 biweekly payroll over the first 8 weeks. That stretch holds 4 paydays, so the ramp-up costs $5,200 in supplies and $16,800 in payroll, $22,000 together, before counting what the new chairs bring in.
A working capital loan can carry a gap like that, sized to the weeks the owner expects before the new chairs pay their own way. Booth renters change the math: a technician who rents a station pays the salon rather than being paid by it, so a salon that rents stations has a smaller payroll to cover and a rent income to show.
Nail salons in Miami-Dade County, FL are small employers. County Business Patterns counted 566 paid employees across 171 nail salons in the county in 2023 (NAICS 812113), about 3.3 per salon on our arithmetic. Separately, the 2024 Nonemployer Statistics counted 8,902 nail salons with no paid employees in Miami-Dade County, FL, the same NAICS code.
Booking and card records a salon lender reviews
A salon funding request rests on records that show steady appointments and steady deposits. The booking software holds the first; the card processor and bank statements hold the second. A partner reviewing a salon can look at both:
- Booking reports for the last six months: appointments, no-shows and repeat clients
- Card processor statements, which show the salon's card volume before fees
- Bank statements for the same months
- A record of card tips paid out to technicians, since tips pass through the deposits
- Gift card sales, which are money owed in future services
- Booth rent ledgers, if technicians rent stations
The tip record matters more than it looks. Card tips land in the salon's account and then go out to the technicians, so deposits overstate what the salon keeps. Showing the payouts lets a partner see the salon's real revenue. More funding articles for personal-care businesses are on the blog.
By Millview Funding · Updated
