Loan Payment / SBA Calculator for Salon

Opening or renovating a salon requires significant upfront capital, and SBA loans are one of the most accessible financing options for salon owners. The largest cost is buildout — salon-specific construction runs $75–$150 per square foot, covering plumbing for wash stations, electrical for dryers and equipment, HVAC upgrades for ventilation, and aesthetic finishes that create the client experience your brand promises. A 1,200 square foot salon buildout can easily reach $90,000–$180,000 before you install a single piece of equipment. Equipment costs add another layer: styling chairs ($300–$2,000 each), wash stations ($1,000–$5,000 each), dryer stations ($500–$2,000), color processing equipment, reception furniture, and POS systems. A fully equipped 8-chair salon might invest $20,000–$60,000 in equipment alone. SBA 7(a) loans are the most common choice for salon startups, offering up to $5 million with terms of 10–25 years and competitive interest rates. For smaller needs, SBA microloans up to $50,000 can cover equipment or initial inventory. Franchise salon concepts (Great Clips, Supercuts, etc.) have an additional financing consideration: franchise fees of $20,000–$40,000 plus required buildout specifications that may push costs higher. This calculator helps you model loan payments against your projected salon revenue to ensure your financing plan is sustainable from day one.