Cash vs. Financing Salon Equipment: Pros & Cons, a 7-Question Checklist & ROI Check

Opening your first suite, expanding or replacing a leaking shampoo bowl—every equipment buy leads to the same decision: pay cash or finance. Cash keeps total cost down if it doesn’t drain your cushion. Financing spreads the expense so you can protect your working capital (the cash you need on hand to cover everyday expenses like payroll, inventory and marketing).

For 25 years, BTC has helped salon owners and stylists navigate the business decisions that matter most. This no-fluff guide to cash vs.…