Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA
Salon, Spa, and Beauty Templates

Salon and Spa Business Plan Templates: What Does a Lender Need to Fund a Salon?

Stations, chairs, shampoo bowls, plumbing. A salon build-out adds up before the first client sits down.

A lender wants to see how many clients it takes to cover that, and where they come from. Start with a plan that already speaks salon.

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Salon, barbershop, or spa? Call or text (321) 948-9588.

Last Updated: 11/07/2026 · Written by Dr. Paul Borosky, DBA, MBA

Three Things a Salon Lender Looks For

Every chair is a small business inside your business. The lender wants to see each one earn its keep.

  1. Clients per chair. How many clients a day each chair or room sees on a normal week, not your best one.
  2. What a client leaves you. The average ticket after product and commission.
  3. Where the book comes from. A following you bring, walk-ins, or marketing. Say which.

Your credit and your money in the deal still matter. The plan covers the rest.

Find the Beauty Template for Your Shop

Cuts, color, nails, lashes, or retail. Each one makes money a little differently.

Hair Salon

Stylists, color, and cuts. Clients times the average ticket. $50.

Barbershop

Chairs, walk-ins, and regulars. $100.

Nail Salon

Techs, stations, and repeat clients. $50.

Day Spa

Rooms and treatments. Sales from daily spa clients. $100.

Extensions and Wigs

Hair and Eyelash Extensions, plus Wig and Hairpiece. $50 each.

Beauty Supplies

A store, not a service. Sales from customer purchases. $100.

Different industry? See all business plan templates by industry.

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Your Salon Plan, Your Way

Fill it in between clients, or let Dr. Paul take it off your plate.

FEATURED

Business Plan Templates

The salon plan in Word and the model in Excel, built for chairs, clients, and tickets. From $50.

Find your template →

Business Consulting

Chairs full and the back office a mess? Dr. Paul's Organize-Plan-Grow™ Strategy gets the business side under control.

See consulting options →

Business Plan Writing

No time between appointments? Dr. Paul writes the plan and projections for you.

Start your plan →

Small Business Education

Free lessons and the Fabled Forest Business School books on marketing, pricing, and the money side.

Start learning →

Example: How Many Clients Does It Take?

Round numbers, illustration only. Your rent, prices, and costs will differ.

LineExample
Monthly costs (rent, insurance, utilities, pay)$12,000
Average ticket$60
Product and commission per client$25
What each client leaves you$35
Clients a month to break even ($12,000 / $35)About 343
Clients a day, open 26 daysAbout 13

Thirteen a day across all chairs is the floor. Everything above it is profit. That is the number the lender wants you to know cold.

How the Beauty Models Do the Math

Enter your clients and prices. The rest is built.

  1. Clients drive sales. Salon, barbershop, nail, and extension models start from clients and the average ticket. Day Spa starts from daily spa clients. Beauty Supplies and Wigs start from customer purchases.
  2. Startup costs are listed for you. Build-out, equipment, furnishings and décor where it applies, inventory, supplies, and working capital.
  3. Monthly P&L to five years. A monthly profit and loss (P&L) statement, a 5-year income statement, and a summary with charts.
  4. A Word plan in your industry's language. Swap in your name, your neighborhood, and your services.

Salon Plans That Come Back With Questions

Across 1,000+ plans Dr. Paul has reviewed, these trip up beauty owners most.

  1. Every chair full from opening day. Books fill over months.
  2. Forgetting product cost. Color, polish, and retail stock come out of every ticket.
  3. No pay for the owner. If you work a chair, pay yourself in the plan.
  4. Using your busiest Saturday as the average. Use a normal week.
  5. Counting clients who have not booked. Proof beats hope.

What a Salon Lender Wants to Know

Expect these.

  1. Booth rent or commission? How you pay stylists changes every number.
  2. Will your clients follow you? If you are leaving another salon, be honest about who comes along.
  3. What does the build-out cost? Plumbing and stations add up. Get quotes.
  4. What happens on slow days? Mondays and holidays happen. Plan for them.

Watch the Salon Template Walkthrough

How to use a Business Plan Template▶

How to use a Business Plan Template

How to use a Financial Projection Template in Excel for a Business Plan▶

How to use a Financial Projection Template in Excel for a Business Plan

The Word plan and the Excel model, step by step. Each beauty product page has its own videos as well.

Salon and Spa Template FAQ

Salon or barbershop?

Appointments, cuts, and color: Hair Salon. Chairs, walk-ins, and regulars: Barbershop.

I rent a booth now. Is this for me?

Yes, if you are opening your own shop or suite.

Does it work for a salon that is already open?

Yes. Use your real clients, tickets, and costs.

Want the background first?

Read How to Write a Hair Salon and Barbershop Business Plan, Day Spa, or Beauty Supply.

Do I need Microsoft Office?

Yes. The files are Word (.docx) and Excel (.xlsx). They do not work in Google Docs or Apple Numbers.

Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA

Every beauty template here started as a real plan Dr. Paul wrote for a salon, barbershop, or spa owner. Dr. Paul holds a DBA from National University and an MBA with a focus on Finance from Webster University. He has written business plans for 1,000+ small business clients over 14+ years, and he wrote Dr. Paul's Fabled Forest Business School series.

Questions? Call or text (321) 948-9588.

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