Bellcrest Lending Group, a small-business funding service in Fond du Lac, Wisconsin, explains funding for barbershops, hair salons and nail salons: equipment financing for chairs and stations, term loans for remodels or second locations, and working capital for product and payroll. It cites Fond du Lac County beauty salon, nail salon and barber shop figures from Census programs.
At a glance
- Beauty salon employers
29 employer locations, Fond du Lac County, WI (CBP 2023)
- Nail salon employers
7 (CBP 2023)
- One-chair and owner-only beauty salons
207 (NES 2024)
- Barber shops without paid employees
19 (NES 2024)
Salons and Barbershops Across Fond du Lac County, WI: 2023 and 2024 Census Counts
For beauty salons (NAICS 812112), County Business Patterns counted 29 employer establishments in Fond du Lac County, WI in 2023, with 171 paid employees and $4.0 million in annual payroll; 12 of them, or 41.4%, had fewer than five employees, and 15 used a ZIP 54935 address (ZIP Code Business Patterns 2023; the ZIP is not the city limits). That works out to about 5.9 employees per establishment and about $23,269 of payroll per employee (our arithmetic).
Nonemployer Statistics, a separate Census program built on NAICS 2022 codes, counted 207 businesses without paid employees in beauty salons (NAICS 2022 812112) in the county for 2024, with $6.6 million in combined receipts, or about $31,865 each (our arithmetic). The two programs count different businesses, so this page keeps them apart.
Nail salons (NAICS 812113) counted 7 employers with 14 employees in 2023 and 43 businesses without paid employees in 2024. County Business Patterns published no barber shop employer row for the county; Nonemployer Statistics counted 19 barber shops without paid employees in 2024.
Business loans for nail salon for Fond du Lac County, WI businesses
A nail salon funds pedicure chairs, nail tables, ventilation and the plumbing for spa chairs, plus product stock. Pedicure chairs with built-in plumbing are part equipment, part build-out; partners may treat the installation as a leasehold improvement.
Illustration only, invented figures: four pedicure chairs at $4,200 each cost $16,800 (our arithmetic); financed over 36 months at 11%, about $550 a month (our arithmetic).
Business loan for beauty salon for Fond du Lac County, WI businesses
A beauty salon loan covers styling chairs, shampoo bowls, dryers, color bars, a remodel or a move. A salon that rents chairs to independent stylists has booth-rent income; one that employs stylists has payroll. Partners read the model from the statements.
Equipment financing covers styling chairs, shampoo bowls and stations.
Working capital for salon services: what Fond du Lac, WI owners should know
Working capital for salon services pays for product orders, payroll and rent between strong and slow weeks. Salon income arrives by card and cash daily, so the gap is usually short; a modest line or working capital loan covers it.
Working capital in Fond du Lac, WI explains what partners review.
Working capital for salons around Fond du Lac, WI
Salons with retail shelves carry product inventory. Ordering in bulk can earn a distributor discount, but it ties up cash. Compare the discount with the cost of funding the larger order.
Illustration only, invented figures: a $6,000 bulk order with a 10% discount saves $600 (our arithmetic). If funding it for three months costs less than $600 in total, the discount is worth taking.
Business loan for hair salon in Fond du Lac, WI
A hair salon business loan for a remodel or a second location is a term loan; the partner reads the existing salon's records. Bring the build-out quote, the lease and a plan for staffing the new chairs.
Beauty salon employers in the county averaged about 5.9 employees each in 2023 (171 employees across 29 employers, our arithmetic).
Loans for a barber shop in Fond du Lac County, WI
Barbershops fund chairs, clippers and sterilization equipment, signs and remodels. A barbershop can be a one-person or booth-rent shop, which Nonemployer Statistics counts separately from payroll employers: 19 barber shops without paid employees in the county in 2024. For an owner without payroll, the business bank account is the main record a partner reads.
Keep shop deposits separate from personal ones; it makes the record clear.
Booth Rent Versus Payroll in a Fond du Lac, WI Salon
A booth-rent salon collects rent from independent stylists, which is steady, predictable income. A payroll salon collects service revenue and pays wages and commissions. Partners read each differently: booth rent is like a lease income stream, while a payroll salon's margin depends on bookings.
If you are switching between models, explain it on the request, because the statements will show the change.
Second Location or Bigger Space for a Fond du Lac County, WI Salon
Opening a second shop doubles rent and adds chairs, plumbing and signs, while the new chairs fill gradually. Partners read the first shop's records to judge the second. Show how many stylists or barbers will move over, how many will be hired, and the build-out cost.
Illustration only, invented figures: a second shop with a $28,000 build-out, $14,000 in chairs and stations and $4,000 in opening product needs $46,000 (our sum). The chairs and stations can be financed as equipment and the build-out with a term loan, keeping the product order on a short draw.
Records Fond du Lac County, WI Salons Bring
- Recent bank statements plus card processor reports.
- Tax returns.
- Booth-rent agreements, if any.
- The chair and station quotes, or the contractor's build-out bid.
- The lease.
Related pages: merchant cash advances, therapy and optometry practices, all industries and Census counts for Fond du Lac County, WI.
By Bellcrest Lending Group ยท Updated