Nail salon financing in Lebanon, PA for a pedicure refresh splits into two pieces: self-contained chairs and vented tables, which are equipment with model numbers, and portable filtration with movable furnishings. Equipment financing fits the first piece, and a term loan can be compared for the second; fixed plumbing, wiring and exhaust work are excluded. Below: pricing it, staying open during the work, and what goes in the request.
How a Lebanon, PA nail salon can split pedicure chairs and portable filtration between equipment financing and a term loan, phase supplier setup and document the request.
Pedicure chairs, self-contained water systems and portable filtration
A pedicure station can use a self-contained basin and water system with the electrical fittings supplied for that model. Pipeless chairs, whose jets come apart for cleaning, are one replacement option. Fixed supply lines, drains and wall wiring are excluded from funding through this site.
Portable filtration can sit beside the client and be identified on the same supplier quote as the vented manicure table. Fixed exhaust ducts and wall or roof openings are excluded. A supplier quote for the movable equipment can list:
- The make and model of each chair, and whether the price includes delivery and supplier setup for the self-contained water system
- Vented tables or capture arms, with the fan rating the supplier specifies
- Portable filtration and capture-arm fittings, priced apart from the table
- Chair-specific electrical fittings for the self-contained equipment
- Any approval the landlord or local officials require for movable-equipment setup
Nail salons in the county are small employers. In the 2023 County Business Patterns, 12 of the 15 Lebanon County, PA nail salons with paid staff (NAICS 812113) had fewer than five employees, an 80.0% share.
Equipment loan or term loan for the upgrade
The split follows what a funding partner can hold. Chairs and tables have serial numbers and a resale market, so equipment financing can use the equipment itself as security. Fixed pipes, ducts and roof openings are excluded; a term loan can be compared for movable filtration and furnishings instead.
| Item | Price | Route |
|---|---|---|
| 6 pipeless pedicure chairs at $4,850 each | $29,100 | Equipment financing |
| 4 vented manicure tables at $1,650 each | $6,600 | Equipment financing |
| Self-contained basin and water-system equipment | $6,200 | Term loan |
| Chair-specific electrical fittings | $2,200 | Term loan |
| Portable filtration and capture arm | $3,900 | Term loan |
| Equipment share | $35,700 | $918.36 monthly over 48 months (invented 10.75% annual rate) |
| Movable filtration and furnishings share | $12,300 | Invented 11.5% annual rate across 36 months, so $405.60 each month |
Illustration only, invented figures: the two payments together run $1,323.96 a month for the first 36 months. After the term loan ends, only the $918.36 equipment payment is left for the final 12 months. Across both, the salon pays $44,081.28 on the equipment and $14,601.60 on movable filtration and furnishings; fixed plumbing and exhaust work are excluded. A partner sets its own rate and term; these figures show the arithmetic, not an offer.
Staying open while stations are replaced
Replacing every station at once means turning clients away for days. Phasing movable-equipment setup keeps most chairs earning: two stations receive their self-contained equipment, then the next pair follows. Portable filtration can arrive on the salon's closed day. Fixed plumbing and ductwork are excluded.
Illustration only, invented figures: a salon replaces its 6 chairs in 3 rounds, with 2 stations out for 3 days each round. At 5 pedicures per station per day and a $42 average ticket, the lost services total $3,780. Closing all 6 stations for 4 days would cost $5,040 in the same terms, so the phased plan gives up $1,260 less.
That lost revenue still has to be covered while rent and payroll stay the same. A small working capital amount, or cash set aside before the work starts, can carry it. Ask the chair supplier for a delivery date in writing so supplier setup is not scheduled before the chairs arrive.
Booking data and retail sales in the request
A request for this kind of upgrade is clearer to review when it shows the station's earnings, not only its cost. Booking software already holds most of it:
- Pedicure services per week for the last six to twelve months, from the booking report
- Average ticket for pedicures, apart from manicures and other services
- Retail sales of polish, lotions and gift cards, shown on their own line
- Recent business bank statements with the card deposits
- The chair, portable-filtration and movable-furnishing supplier quotes; fixed plumbing and exhaust work are excluded
- The current lease, since supplier setup happens in the landlord's space; fixed room work is not funded
Retail sales matter because they show income that does not depend on a chair being open. The salon page carries more Lebanon County, PA salon data. For owner-only shops, the 2024 Nonemployer Statistics listed 57 nail salons without paid employees in the county (NAICS 812113), and in the 2023 ZIP-level count, ZIP 17042 held 7 employer nail salons.
By Southbrook Business Capital · Updated
