Riverwick Business Loans, a small-business funding service in Taunton, Massachusetts, covers salon business loans for Bristol County beauty salons, nail salons, barbershops and spas: equipment, refits, retail stock, payroll and buying an existing salon.
At a glance
- Beauty, nail and barber employers, Bristol County, MA
275 (CBP 2023, our sum)
- Beauty salons without paid employees
1,276 (NES 2024)
- Nail salons with paid employees
97 (CBP 2023)
Taunton, MA Business Loans for Salons
Bristol County, MA had 168 beauty salons, 97 nail salons and 10 barber shops with paid employees in 2023, 275 in all (County Business Patterns 2023, NAICS 812112, 812113 and 812111, our sum). Nonemployer Statistics, a separate program, counted 1,276 beauty salons, 344 nail salons and 284 barber shops without paid employees in 2024.
That split shapes funding. A booth renter or solo stylist funds tools and a chair; a salon with staff funds payroll, a refit and the stations its stylists work at.
Bristol County, MA Salon Employers
| Group (NAICS) | Employers | Paid employees | Annual payroll | Payroll per employee (our arithmetic) | Under five employees |
|---|---|---|---|---|---|
| Beauty salons (812112) | 168 | 804 | $22.4 million | $27,869 | 64.9% |
| Nail salons (812113) | 97 | 424 | $11.7 million | $27,564 | 63.9% |
| Barber shops (812111) | 10 | 26 | $0.9 million | $36,038 | 90.0% |
Beauty salon payroll per employee was about $27,869 and nail salon about $27,564 (CBP 2023, our arithmetic). Payroll figures leave out booth rent and tips, so they understate what stylists earn.
Nail Salon Financing: What Taunton, MA Owners Should Know
Nail salons carry plumbing-heavy equipment: pedicure spas need water lines and drains, and ventilation is a significant part of a fit-out. Partners finance spas, tables, chairs and ventilation units as equipment, and ask for the lease, since much of the work ties into the building.
Illustration only, invented figures: a nail salon adds three pedicure spas and a ventilation upgrade for $27,000 and finances it over 36 months at 12% a year. In this invented example, the payment would be about $897 a month.
Beauty Salon Loans: What Taunton, MA Owners Should Know
A beauty salon's requests sit in three places: equipment financing for stations, chairs, shampoo bowls and dryers; a credit line or inventory financing for color and retail product; and a term loan for a refit or a second room. Partners read card processing statements and booking-system reports to see how chair time turns into deposits.
A Business Loan for a Barber Shop: What Taunton, MA Owners Should Know
Bristol County, MA had 10 barber shops with paid employees in 2023 (CBP 2023, NAICS 812111); Nonemployer Statistics, a separate program, counted 284 barber shops without paid employees in 2024. A barbershop request can be small: chairs, clippers, a sterilization setup, a sign and a refit. Keep shop money in a business account; partners read that account to size a request.
Business Loans for Salon and Spa in Taunton, MA
A salon adding spa services, such as facials, waxing or massage rooms, needs walls, plumbing and equipment before the first booking. That mix splits between a term loan for the build-out and equipment financing for treatment beds and devices. Check the zoning and permits for the added use first; the Taunton zoning and permits guide covers where those records come from.
Business Loans for a Salon Business in Taunton, MA
- Business bank and card processing statements for the last twelve months.
- Booking or point-of-sale reports showing services and retail sales.
- Equipment quotes or the contractor's estimate.
- The lease, with landlord sign-off on any build-out.
- Establishment and professional licenses, current.
Payroll while a new stylist builds a book is a working capital question; describe how long that ramp has taken before.
Chairs, Clients and Stylists Who May Walk: Salon Purchases in Bristol County, MA
A salon purchase is mainly a purchase of its client list and its stylists, and both can walk. Partners reading a salon acquisition look at the seller's returns, how much revenue comes from the seller's own chair, and whether stylists have agreed to stay. Equipment is valued at resale, which for used stations is modest.
Color Stock and Retail Shelves for Bristol County, MA Salons
Color, developer and treatments are consumed at the chair; retail shampoo, styling products and tools sell from the front shelf. Both are stock bought before the money comes in. A small order fits a credit line drawn and paid down as services and sales settle; a full retail wall from a new brand can go to inventory financing, with the products as security. Track retail sales separately in the point-of-sale system so a partner can see how fast the shelf turns.
Opening a Second Chair Room in Taunton, MA
Adding a room means a build-out, stations, plumbing for shampoo units and payroll for stylists who start with empty books. Split it into a term loan for the room, equipment financing for the stations and working capital for the first months of payroll, and give each a term that matches how long it takes to pay for itself.
More Bristol County, MA Personal Care Pages
The gym page covers studios, the industries hub lists other trades, the Taunton, MA page has county figures, and the New Bedford, MA page covers salon funding there.
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