Salon Business Loans in Aurora, CO
Salon business loans in Aurora fund the openings, equipment upgrades and expansions for hair, nail, brow, lash and full-service salons across the Denver metro. We work with independent chair-rental salons, commission-based studios and multi-location groups.
Salons are cash-flow businesses with high owner involvement — lenders value consistent revenue, low chair vacancy and a defensible location. SBA 7(a) is the standard product for build-outs and acquisitions; equipment financing and short-term working capital fill gaps for existing salons.
Marquette structures salon deals with SBA lenders who understand the industry and specialty lenders who move fast when a working-capital gap needs closing.
- New salon build-out and lease TI
- Salon acquisition
- Equipment: chairs, shampoo bowls, dryers, color bars
- Working capital between slow seasons
- Second-location expansion
- Refinancing high-rate credit card debt
- Personal credit 640+ typical
- Prior salon or beauty-industry experience
- Business plan or 12-month cash flow (startups)
- P&L and tax returns (existing salons)
- Signed lease or LOI
From intake to funded in four steps.
“Chair-rental vs commission changes how a lender underwrites revenue. Chair-rental income is more stable but usually smaller; commission is bigger but variable. Be ready to show retention data on your stylists.”
Questions Aurora operators actually ask.
Can I finance a salon build-out from scratch?+
Yes — SBA 7(a) covers TI, equipment, initial inventory and working capital. Expect 45–75 days to close.
What if I've only ever booth-rented?+
Prior beauty-industry experience counts. Lenders want to see you understand the business, not necessarily that you've owned before.
Can I finance a barbershop the same way?+
Yes — barbershops, brow bars, lash studios, and nail salons are underwritten similarly.
How much down payment for an acquisition?+
10% is standard on SBA 7(a) for a salon buy. Seller carry can sometimes cover part of that.
Are med spas eligible under salon loans?+
Med spas are typically underwritten as medical, not salon, because of the medical-director requirement. See our Aurora medical practice loans page.
Talk to Aurora about salon business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.