Elmpark Capital Group places salon business loan requests from Palm Coast, Florida owners with funding partners, who decide on them. Flagler County, FL counted 40 beauty salons and 5 nail salons with paid employees in 2023 (County Business Patterns). This page covers nail and beauty salon financing, equipment and furniture, barber shops and working capital.
At a glance
- Beauty salon employers, county
40, with 171 paid employees (CBP 2023)
- Nail salon employers, county
5 (CBP 2023)
- Salons without paid employees
317 beauty and 261 nail (Nonemployer Statistics 2024)
Beauty Salon Loans for Palm Coast, FL Stylists Who Own the Shop
A salon owner usually borrows for the room and the chairs, not for a long list of machines. Styling stations, shampoo bowls, dryers, lighting and the build-out that plumbs and wires them are the large costs; product orders and payroll for employed stylists are the recurring ones. Beauty salons counted 40 employer establishments with 171 paid employees in Flagler County, FL in 2023, and 72.5% had fewer than five employees (CBP 2023, NAICS 812112).
Nonemployer Statistics counted 317 beauty salons without paid employees in the county for 2024, a separate program; many stylists work on their own or rent a chair.
Nail Salon Financing in Flagler County, FL: Spa Chairs, Vented Tables and Plumbing
Nail salons spend heavily on pedicure spa chairs with plumbing and drainage, manicure tables with source-capture ventilation, and the build-out to fit them. Nail salons counted 5 employer establishments in the county in 2023 (CBP 2023) and 261 without paid employees in 2024 (Nonemployer Statistics). How nail salons finance pedicure stations walks through one in detail.
Salon Equipment Financing: Chairs, Bowls, Dryers and Lighting
Salon equipment is financed like other business equipment: a loan or a lease with the items as collateral. Vendor quotes should list every piece, the installation and any plumbing or electrical work, because partners finance what the quote shows.
Illustration only, invented figures: a four-station salon buys $38,000 of chairs, bowls, dryers and lighting with $3,800 down; financing the rest over 48 months at an invented annual rate of 11% gives a payment of about $884 a month (our arithmetic).
Salon Furniture Financing in Palm Coast, FL: Loan or Lease
Reception desks, retail shelving, waiting chairs and styling stations wear more slowly than electrical equipment, so a loan that ends in ownership often makes sense. A lease can suit a salon planning to refresh its look in a few years. Compare total payments plus any buyout with the cash price in either case.
Salon Build-Out Costs in a Palm Coast, FL Retail Space
A salon build-out in a shopping-center space adds plumbing for shampoo bowls and pedicure chairs, extra electrical circuits for dryers and lighting, ventilation, flooring and finishes. The landlord may contribute an improvement allowance, which lowers the amount to finance; read the lease for it before asking for a loan.
Build-outs need permits from the city, and the inspection schedule sets the opening date. A term loan that starts collecting payments before the doors open strains the first months, so ask whether the partner offers a delayed first payment.
Sizing a Product Order Without Tying Up the Month’s Cash
Retail product earns a margin but sits on shelves until clients buy it. The inventory reorder point worksheet helps a salon work out when to reorder and how much stock to keep, so a bulk discount does not leave payroll short.
Barber Shop Loans in Flagler County, FL
County Business Patterns published no barber shop row for Flagler County, FL at the barber shop code for 2023, while Nonemployer Statistics counted 70 barber shops without paid employees in 2024. A barber’s funding needs mirror a small salon’s: chairs, clippers and sterilization gear, a build-out, and occasionally buying an existing shop.
Working Capital for Salon Services Between Product Orders and Payroll
Retail product is bought in bulk, and payroll for employed stylists runs every week or two. When a large product order and a slow stretch coincide, working capital or a small credit line covers the gap. A salon with steady card sales may also be offered an advance; the merchant cash advance page explains why its total cost needs checking first.
Nail Salon Business Loans for a Second Location or a Buyout
Opening a second location or buying an existing salon is a term-loan question: the build-out or the price is paid once and earns over years. For a purchase, partners read the seller’s returns and card statements, the lease, the equipment list and how the client book transfers.
How beauty salons fund a remodel covers the build-out side.
Beauty and Nail Salon Employer Counts Around Palm Coast, FL
Of the 40 beauty salon employers, 29 had fewer than five employees, and 16 used a ZIP 32137 address (CBP and ZBP 2023). Of the 5 nail salon employers, 4 had fewer than five employees and 4 used a ZIP 32137 address. Personal care services as a whole counted 54 employer establishments in the county (CBP 2023, NAICS 8121).
Booking Records and Quotes: The Salon File a Partner Reads
- Business bank and card processing statements.
- The latest business tax return.
- The lease and its remaining term.
- Vendor quotes for equipment and furniture, including installation.
- For a purchase: the seller’s records and the asking price.
Talk it through at (386) 309-8622, or use the Elmpark request form.
By Elmpark Capital Group · Updated