Salon & Beauty
Profit and loss statement for a salon
A salon usually has two kinds of money coming in — services and, if chairs are rented, booth rent from stylists who are not employees. They are not the same line on a P&L, and a lender reading one lump sum cannot tell a busy salon from a landlord with scissors.
Upload the statements your bank already sends you and we read every transaction, ask about the ones we cannot place, and build a Profit & Loss you can hand to whoever asked for it. Start without an account.
The categories a salon or barbershop gets
These are provisioned for you on day one — the same rows the product sorts your transactions into, with the suppliers it looks for.
- Product SalesMoney in
- Retail product sales to clients: shampoo, skincare, styling products sold over the counter.
- Booth Rent IncomeMoney in
- Booth or chair rent collected from independent stylists working in the salon, often recurring Venmo/Zelle/check deposits.
- Back-Bar SuppliesCost of the work
- Professional supplies consumed in services: color, developer, foils, wax, nail products — SalonCentric, CosmoProf, Sally Beauty.
- Retail Product PurchasesCost of the work
- Wholesale purchase of retail products bought for resale to clients (shampoo, skincare, styling lines).
- Towels & LaundryRunning the business
- Towel and linen laundering or rental services such as Cintas, Aramark, or local laundry vendors.
- Continuing EducationRunning the business
- Classes, certifications, workshops, and training to maintain or upgrade professional skills and licenses.
The deposits that are not income
This is where an owner-prepared P&L usually goes wrong. Money can land in the account without being a sale, and money can leave without being a cost — and a lender notices when it has been counted anyway.
- Loan ProceedsMoney you owe
- Deposits from new borrowing: loan funding, SBA disbursements, merchant cash advances, and line-of-credit draws. Not revenue.
- Owner ContributionOwner's money
- Owner's personal money put into the business: capital injections and owner-funded deposits, often round amounts. Not revenue.
- Internal TransferNot on the P&L
- Movement between the business's own accounts: transfers to or from its own checking or savings. Excluded from the P&L entirely.
- Owner DrawOwner's money
- Money the owner takes out for personal use: owner withdrawals, transfers to personal accounts, personal spending from the business account.
We ask about these in plain English rather than guessing — “was this $10,000 deposit sales, your own money, or a loan?” — and you see every answer before you pay.
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