Skybank Business Loans, a small-business funding service in Wausau, Wisconsin, explains salon business loans for Marathon County hair, nail and beauty salons: chairs and stations, ventilation, remodels, retail stock and salon purchases. The county had 55 beauty, nail and barber employers in 2023 (our sum, CBP).
At a glance
- Beauty salons with employees, Marathon County, WI
40 (CBP 2023)
- Nail salons with employees
12 (CBP 2023)
- Beauty salons without paid employees
212 (Nonemployer Statistics 2024)
Hair, nail and barber businesses in Marathon County, WI
Salon business loans here serve a trade of small shops. Marathon County had 40 beauty salons, 12 nail salons and 3 barber shops with employees in 2023, 55 by our sum (CBP). 27 of the beauty salons and 8 of the nail salons had fewer than five employees.
| Type | Employers | Employees | Without paid employees |
|---|---|---|---|
| Beauty salons | 40 | 157 | 212 |
| Nail salons | 12 | 48 | 37 |
| Barber shops | 3 | not shown | 14 |
Employer and nonemployer counts come from two programs with different years, so they sit in separate columns and are not added.
Nail salon financing: how it works in Wausau, WI
Nail salon financing centers on pedicure chairs with plumbing, manicure tables, ventilation that pulls fumes at the table, and the build-out to install them. Equipment financing carries the chairs and ventilation; a term loan carries a remodel. Marathon County had 12 nail salons with employees in 2023 and 37 without paid employees in 2024 (CBP; NES).
Beauty salon loans around Wausau, WI
Beauty salon loans cover styling stations, hydraulic chairs, shampoo bowls and backbars, dryers, color bars and retail shelving. A partner reads deposits by week, the lease, and how the salon is staffed. Salons that rent chairs or booths to independent stylists should show that rent as its own income line.
Loans for beauty salons for Marathon County, WI owners
Loans for beauty salons are also used for opening stock of retail products and back-bar supplies. Product bought in volume before it sells suits working capital or a small line of credit rather than a long loan.
Hair salon business loans for Wausau, WI stylists
Hair salon business loans for a move or remodel combine construction (plumbing for shampoo bowls, electrical for dryers, ventilation) and equipment. Get both priced before you sign a lease. Beauty salons with employees paid about $26,847 per employee in 2023 by our arithmetic (CBP).
A nail salon loan for a Wausau, WI shop
A nail salon loan request is read on card and cash deposits, the lease and the equipment quote. Pedicure chairs with plumbing and a ventilation system are the big-ticket items on the quote; a cash advance offered against card sales is not a loan, so compare its total with an equipment loan first.
Hair salon loans around Wausau, WI
Hair salon loans to buy an established salon depend on what transfers: the client book, the stylists, the lease, the equipment and the name. Get the seller's returns and weekly sales, and ask which stylists plan to stay; a salon's revenue follows the people who work there.
Six stations and two shampoo units: an example
Illustration only, invented figures: a salon finances $28,000 for six stations, chairs and two shampoo units over 36 months at an assumed annual rate of 12%. In this invented example, the payment is about $930 a month. In this invented example, that equals about $155 per station per month, which the owner compares with what each chair brings in.
Booth rental, commission and hourly pay: how salons show income
Salons earn in different ways. Some employ stylists on commission or hourly pay; some rent booths or chairs to independent stylists; some mix the two. Marathon County had 212 beauty salons without paid employees in 2024 (Nonemployer Statistics), a count that can include booth renters working for themselves. A partner reading a salon request wants each income stream shown separately: services, retail product, and booth rent.
Beauty salons with employees paid $4.2 million to 157 employees in 2023 (CBP), and nail salons $1.3 million to 48; those figures describe the employer side only.
Ventilation and plumbing: build-out costs specific to salons
Shampoo bowls need hot water and drains; pedicure chairs need plumbing at each station; color and nail work need ventilation that meets local code. These items are part of the build-out bid and may be financed with a term loan, while the chairs and stations go on an equipment quote. Confirm code requirements with the building inspector before you price them.
Records for a salon request
- Three to six months of business bank statements
- The latest filed business tax return
- A year-to-date profit and loss statement
- Card processing statements
- The lease and any build-out bids
- Equipment quotes
- Booth or chair rental agreements, if any
The salon financing article compares equipment, working capital and term loans for salons. See also daycare center financing, the industries list and the Wausau, WI figures.
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