Of 37 Hawaii County, HI beauty salons with paid staff, 30 had fewer than five employees in 2023 (County Business Patterns).
Funding for Hilo, HI hair, nail and barber businesses: stations, portable filtration, movable furnishings and salon purchases, with county counts.
At a glance
- Beauty salons, Hawaii County, HI
37 employer establishments, 30 with fewer than five employees (CBP 2023, NAICS 812112)
- Nail salons, Hawaii County, HI
7 employer establishments (CBP 2023, NAICS 812113)
- Beauty salons, ZIP 96720
12 employer establishments (ZBP 2023)
- Beauty salons with no paid employees, Hawaii County, HI
301 (Nonemployer Statistics 2024)
Barber shop loan in Hilo, HI: salon suites, color bars and movable furnishings
A barber shop that grows can add a freestanding color bar, movable privacy partitions, new chairs and movable floor panels. The chairs and the color bar are equipment financing items; fixed plumbing, flooring and suite construction are excluded.
Barber shops with staff on payroll are few in Hawaii County, HI: County Business Patterns found only 3 barber shops with paid employees in 2023 (NAICS 812111). In its own 2024 file, Nonemployer Statistics lists 25 barber shops run with no paid employees in the county. A barber who owns the chair and the shop, with or without staff, can still send a request as a business.
Nail salon loan in Hilo, HI: pedicure chairs, nail stations and suite leases
A nail salon can quote self-contained pedicure units and manicure tables with built-in downdraft ventilation, with portable filtration identified on the supplier quote. Fixed drains, flooring and ductwork are excluded. Each movable item has a serial number and dealer quote. Leasing a salon suite instead of a storefront brings a deposit and the first months’ rent before the first client books, which is a cash need rather than an equipment one.
The nail salon count in Hawaii County, HI is small. All 7 nail salons with paid employees in 2023 had fewer than five people (CBP, NAICS 812113), and 4 of the seven had a ZIP 96720 address (ZIP Code Business Patterns). The 2024 Nonemployer Statistics, which tracks a different group, lists 113 nail salons with no paid employees in the county.
Hair salon loans for Hawaii County, HI: dryers, portable filtration and retail shelves
Hair salons spend on what happens at the back of the room and along the walls. Dryers, color stations and portable filtration can be quoted together; shampoo bowls, fixed backbar plumbing, water heaters and exhaust ducts are excluded. Retail shelves are the other wall: the fixtures are a small purchase, but the product on them is stock, bought before it sells.
Four in five beauty salons with paid employees in Hawaii County, HI were very small in 2023: 30 of the 37 counted by County Business Patterns (NAICS 812112) had fewer than five people, and their 105 employees work out to about 2.8 per salon (our arithmetic). In a salon that size, a dryer or portable filtration purchase is a large bill set against a small payroll.
Business loans for salons around Hawaii County, HI: styling chairs, dryers and movable partitions
Here is a made-up case for a salon adding movable stations to a larger suite in Hilo, HI; it is not an offer:
| Line | Amount |
|---|---|
| Six hydraulic styling chairs | $5,700 |
| Six styling stations with mirrors and outlets | $7,800 |
| Two hooded dryers | $2,600 |
| Freestanding partitions, lamps and movable flooring panels | $9,400 |
| Total | $25,500 |
Illustration only, invented figures: at an annual rate of 12.75% over 36 months, the $25,500 movable-equipment package has a monthly installment of $856.13. Three years of installments total $30,820.68, with $5,320.68 going to interest. Chairs, stations and dryers carry their own value; fixed suite work is excluded. A partner can assess the movable equipment, and the salon can ask whether other costs fit better as working capital.
Business loan for hair salon in Hilo, HI: buying an existing salon
Buying a hair salon that is already open means paying for the name, the phone number, the booking history, the equipment and the lease, if the landlord signs an assignment. The stylists matter as much as the chairs. Some stylists in a salon are employees and some rent their chairs or suites, and a booth renter can leave after a sale; a buyer can ask which is which and what each rental agreement says before agreeing on a price.
For a buyer looking at salons in ZIP 96720, ZIP Code Business Patterns counted 12 beauty salons with employees in that ZIP Code in 2023 (NAICS 812112), an area that reaches beyond the Hilo community. A purchase loan request can show the seller’s last two years of returns, the card processing statements and the list of equipment included in the price.
Hair salon financing in Hilo, HI: a second chair row and movable furnishings
A second chair row can include movable chairs, privacy partitions and a freestanding reception desk with a card terminal. The booking software subscription handles online appointments and reminders. Fixed plumbing, wiring and floor work are excluded; the desk is a movable fixture, while software is a monthly cost that working capital can carry.
Salons that take most of their payments by card can also look at a merchant cash advance, which is a purchase of future card sales rather than a loan. Many salon owners work alone: the 2024 Nonemployer Statistics file has 301 beauty salons in Hawaii County, HI with no paid employees (NAICS 812112). Other trades sit on the industries page; the steps a request goes through are on the Hilo, HI page.
By Tealvale Capital Group · Updated
