Working Capital for Nail Salons
Nail salons run on walk-in traffic and a loyal appointment book, but rent, technician pay, and product inventory all come due whether the chairs are full or not. Working capital covers inventory, technician staffing, and buildouts to keep the salon fully stocked and staffed.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so nail salons never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Foot traffic can drop sharply during slow retail seasons, even as rent, technician pay, and utilities continue at the same fixed level.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Polish, gel, and nail art product inventory has to be purchased and stocked ahead of the appointments that will eventually use it, tying up cash before it turns into revenue.
One approval, draw what you need, and return for additional funding as your nail salons business performs. Many nail technicians work on a commission or booth-rent basis, so recruiting and onboarding a new technician means covering marketing costs before their chair is consistently booked.
Stock the polish, gel, and nail art supplies a busy salon goes through every week.
Recruit and onboard new nail technicians ahead of a fully booked schedule.
Update pedicure stations, manicure tables, or the salon's overall look.
Yes, many nail salons use working capital to stock up on polish, gel, and supplies ahead of holidays and other high-demand periods.
Yes, we fund single-location nail salons as well as multi-chair and multi-location operations, based on the salon's monthly revenue.
Most nail salons receive a decision quickly, with funds available in as little as 24 hours after approval.
Paz funds nail salons from $2,500 to $5,000,000. Most nail salons qualify for $10,000 - $75,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Nail Salons funding, approved in as little as 24 hours