Clovershire Credit sends one request to funding partners, who review the salon and set any terms.
Hair salons, barber shops and nail salons buy different things and carry different gaps. This page matches each cost to a product, works through an invented color bar purchase, and sets out the St. Charles County, MO counts for all three trades.
At a glance
- Beauty salons, St. Charles County, MO
98 employer establishments (CBP 2023)
- Nail salons, St. Charles County, MO
34 employer establishments (CBP 2023)
- Barber shops, St. Charles County, MO
9 employer establishments (CBP 2023)
- Beauty salons with no paid employees, county
917 establishments (NES 2024)
Hair salon loans for St. Charles County, MO: barber chairs, clippers and a storefront sign
Hydraulic barber chairs are the core of a hair salon's equipment financing request: each has a price, a model number and a used market, so the chair can secure its own payments. Clipper and trimmer sets cost far less and wear out sooner; they are better bought from cash flow or folded into a larger chair package than financed on their own.
A storefront sign sits between the two. It is fabricated equipment, but it is mounted on a building the salon may not own, and the landlord's rules on signs come first. Get the landlord's sign approval in writing before the quote goes to a partner.
Business loans for salons around St. Charles County, MO: styling chairs, color bars and suite leases
A color bar and a row of styling chairs change what a salon can book in a day, so it makes sense to price them together. Dryers can be priced with the chairs; fixed plumbing is property work outside this site.
| Item | Price | Note |
|---|---|---|
| Color bar with storage | $8,400 | Equipment |
| Styling chair and dryer, two units | $2,950 each | Equipment |
| Amount financed | $14,300 | $481.82 a month in this example |
| Total of 36 payments | $17,345.52 | $3,045.52 of it interest in this example |
Suite leases raise a different need. Moving into a salon suite brings a deposit and the first rent before the first client books, and neither is equipment. That gap fits working capital or a short line rather than an equipment loan.
The article which financing fits a St. Charles, MO salon adds a second-location budget split by funding type.
Business loan for hair salon in St. Charles, MO: nail stations, portable filtration and retail shelves
A hair salon adding a nail area takes on three costs at once. The manicure tables and stations are equipment. Portable filtration can sit at the manicure table and have a supplier quote; fixed ductwork is excluded. Retail shelves are cheap fixtures, but the product that fills them is inventory bought weeks ahead.
- Nail stations and pedicure chairs: equipment financing, with the dealer's quote
- Portable filtration: a term loan or working capital, with the supplier quote and any landlord approval needed for setup
- Retail shelving and its opening stock: working capital, sized to one reorder cycle
- The new hires to staff the stations: working capital or a line, sized to the first few pay periods
Hair salon financing for salons in St. Charles County, MO
County Business Patterns tracks the three trades on this page under separate codes. By establishment count, hair salons are the largest of them by far.
| Trade (NAICS) | Establishments | With fewer than five employees | Annual payroll |
|---|---|---|---|
| Beauty salons (812112) | 98 | 53 (54.1%) | $20.5 million |
| Nail salons (812113) | 34 | 30 (88.2%) | $2.1 million |
| Barber shops (812111) | 9 | 4 (44.4%) | $1.6 million |
Spread across 680 employees, the beauty salon payroll works out to about $30,156 per employee for the year by our arithmetic, a figure that mixes full-time and part-time staff. Booth renters and suite operators with no employees are counted elsewhere: 2024 Nonemployer Statistics listed 917 beauty salons and 558 nail salons in the county with no paid staff.
In ZIP 63301, ZIP Code Business Patterns placed 11 beauty salons with employees in 2023. The St. Charles, MO page carries the wider county counts.
Barber shop loan for St. Charles County, MO: hot towel cabinets, sterilizers and a lease deposit
Barber shops are a small group in the county's employer data, 9 establishments in 2023, and 4 of them had fewer than five employees (CBP, NAICS 812111). Separately, 2024 Nonemployer Statistics counted 85 barber shop establishments with no paid staff.
For a barber opening a second shop or moving to a bigger one, the equipment list is short: hot towel cabinets, a UV or autoclave sterilizer, chairs and stations. The bigger check is often the lease deposit, which is cash, not equipment, and needs working capital or savings behind it. A partner can review both in one request.
Nail salon loan in St. Charles, MO: pedicure thrones, dust collectors and booth rent gaps
Nail salons in St. Charles County, MO are very small employers: 30 of the 34 counted in 2023 had fewer than five paid employees (CBP, NAICS 812113). Self-contained pedicure chairs and table-mounted dust collectors are movable equipment; fixed plumbing is excluded.
Booth rent is the gap. A nail salon that rents stations to independent technicians loses that income the week a renter leaves, while the salon's own lease stays the same. A line of credit or working capital can carry the month it takes to fill the chair.
A merchant cash advance is another option to price, collected as a set share of daily card sales. It is not a loan, and its cost can run well above a term loan's. The industries page has other personal-care trades.
By Clovershire Credit · Updated
