Shorerock Loans, a small-business funding service in Marietta, Georgia, explains funding for Cobb County nail salons, hair salons and barbershops: equipment financing for stations and chairs, term loans for build-outs and working capital, with Census Bureau counts.
At a glance
- Beauty salons, Cobb County, GA
256 employers, 1,147 employees (CBP 2023)
- Nail salons
80 employers, 93.8% with fewer than 5 employees (CBP 2023)
- Beauty salons without payroll
2,549 (Nonemployer Statistics 2024)
Hair Salon Loans in Marietta, GA
Cobb County had 256 beauty salons with payroll in 2023, with 1,147 employees and $39.0 million in annual payroll; 71.5% had fewer than five employees (County Business Patterns). Nonemployer Statistics, a separate program, counted 2,549 beauty salons without paid employees in 2024, which includes stylists working on their own or renting a chair.
A salon's funding questions are the build-out (plumbing for shampoo bowls, electrical, ventilation), stations and chairs, and the product shelf.
Salon Equipment Loan: How It Works in Marietta, GA
- Styling stations and hydraulic chairs
- Shampoo bowls and backbar units
- Pedicure spas and manicure tables
- Ventilation for a nail salon
- Point-of-sale and booking systems
Each can be financed with the equipment as security through equipment financing.
Salon Financing Around Marietta, GA
Illustration only, invented figures: a nail salon adds four pedicure spas at $3,900 each and ventilation work quoted at $8,500. The project totals $24,100 by our arithmetic ($3,900 x 4 + $8,500). The spas can go on equipment financing; the ventilation, as part of the build-out, may suit a term loan.
Barbershop Loans for Cobb County, GA Businesses
Cobb County had 22 barber shops with payroll in 2023, 86.4% with fewer than five employees, and 427 barber businesses without employees in the 2024 Nonemployer Statistics. Barbershops finance chairs, clippers and a build-out, and, when chairs are rented to independent barbers, show that rent as part of the shop's income.
Barber Shop Loan
A partner reading a barbershop or salon looks at card and bank deposits, chair-rental income, the lease and existing payments. Where payments arrive by card, an advance provider may also make an offer; that is a purchase of receipts, not a loan, and its total should be set beside a loan's. How to set the two side by side is on the merchant cash advance page.
Salon Business Loan: What Cobb County, GA Owners Compare
Nail salons: 80 employers with 163 employees in 2023, and 1,466 without employees in Nonemployer Statistics 2024. Together, beauty salons, nail salons and barber shops with payroll number 358 (our sum of three Census codes). Owners compare equipment financing for the stations, working capital for a new location's first months, and an advance only after totaling its cost.
Related: retail, restaurants, equipment financing. Personal-care counts for the county are on the Marietta, GA page. All industries: the industries page.
Product inventory on the retail shelf
Hair care and nail products sold at the front desk are inventory. A small shelf can be paid from working capital; a larger retail section may suit a line of credit. Track product sales separately from services so a partner can see both.
Opening a second salon or a chair-rental suite
A second location adds rent, a build-out and stations before its clients arrive. Some owners open suites rented to independent stylists, where income is rent rather than service sales. Either way, split the request between build-out, equipment and the first months' costs.
Records a partner reads for a salon or barbershop
Card processing statements, bank statements, booking system reports, chair-rental agreements, the lease and equipment quotes. Where some revenue is cash, deposit it consistently so the statements reflect the business.
Cash, cards and how deposits read
Salons take cards, cash and app payments. A partner reads deposits, so cash that is not deposited does not count in the review. Depositing cash regularly and keeping booking reports that match the deposits gives the partner a full picture.
Where the shop rents chairs, collect rent by check or transfer rather than cash so it shows in the statements.
Salons in ZIP 30060 and across Cobb County, GA
ZIP 30060 had 10 beauty salons and 4 nail salons with payroll in 2023 (ZIP Code Business Patterns). Countywide, the beauty salon count of 256 employers sits beside 2,549 salons without employees in the separate Nonemployer Statistics; the two programs use different years and rules and are not added together.
Barbershop chairs, clippers and sanitation equipment
A barbershop's equipment list is shorter than a salon's: hydraulic chairs, clippers and trimmers, sterilization units and mirrors. Chairs last for years and can be financed with an equipment loan; small tools are bought from working capital. The 22 barber shops with payroll in Cobb County in 2023 sit beside 427 barbers working without employees in the separate Nonemployer Statistics.
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