From Nails to Noodles: How an SBA 504 Loan Powered a Dual Business Venture
Jay D., owner and CEO of MJ Nails and Lashes, has leveraged the Small Business Administration’s (SBA) 504 program to expand his entrepreneurial vision. With four thriving beauty salons in the Las Vegas Valley, Jay D. recently acquired a 5,884-square-foot property at 3572 St. Rose Parkway in Henderson, Nevada. This strategic acquisition made possible by the SBA 504 loan’s low down payment requirement and below-market interest rates, allowed Jay D. to secure a permanent home for one of his salons while launching a complementary venture—a Vietnamese noodle house called Let’s Get Pho.
La Programa de préstamos SBA 504 empowered Jay D. to expand into a dual business model, combining his expertise in the beauty industry with a passion for culinary traditions. The purchase included not only the salon’s location but also an adjacent unit, which Jay D. transformed into Let’s Get Pho. This innovative approach has enabled him to serve his community in two distinct yet harmonious ways: providing top-tier nail and beauty services alongside authentic Vietnamese cuisine.
“Opening Let’s Get Pho alongside MJ Nails and Lashes has been an exciting journey,” Jay D. shared. “We’re proud to offer a unique blend of beauty and culture to our customers, creating a space where people can relax and enjoy the best of both worlds.”
Strengthening Community Ties
Jay D.’s dual business initiative reflects his commitment to enhancing the local community. MJ Nails and Lashes has become a trusted name for high-quality services, including manicures, pedicures, lash extensions, facials, and waxing. With nearly 200 employees across four locations, the salon provides a welcoming environment for clients seeking exceptional beauty care.
Let’s Get Pho, located next to the salon, offers guests a chance to experience Jay D.’s cherished culinary heritage. The restaurant has become a favorite among spa clients and local residents alike, fostering a sense of community and connection.
The Role of SBA 504 Financing
SBA 504 financing was instrumental in bringing Jay D.’s vision to life. Merri Adams, Senior Vice President of Business Development at TMC Financing, facilitated the process, ensuring Jay D. could secure favorable terms for his property purchase.


“The SBA 504 loan was the perfect fit for Jay D.’s goals,” Merri explained. “With below-market interest rates and a low down payment, the program provided financial stability, allowing Jay D. to focus on building his businesses rather than worrying about rental costs.”
Looking Ahead
By transitioning to property ownership, Jay D. has created a solid foundation for his entrepreneurial growth. The dual business model not only diversifies revenue streams but also strengthens Jay D.’s ties to the community. With a permanent home for MJ Nails and Lashes and the addition of Let’s Get Pho, Jay D.’s vision continues to flourish.
“The 10% down payment was a game-changer for us,” Jay D. said. “It gave us the flexibility to reinvest in our businesses and expand our reach. Merri’s team guided us every step of the way, making the process seamless.”
About the SBA 504 Loan Program
La U.S. Small Business Administration’s 504 loan program enables small business owners to purchase, construct, or refinance commercial real estate and other fixed assets with long-term, below-market, fixed interest rates. Requiring only a 10% down payment for most acquisitions, the program allows entrepreneurs to buy their buildings, preserve working capital, and invest in business growth.
Acerca de la financiación de TMC
Founded in 1981, TMC Financing is the leading provider of SBA 504 commercial real estate loans in the nation, funding projects worth over $14 billion across Arizona, California, Nevada, Hawaii, and Oregon. Over 7,000 businesses have benefited from this financing, resulting in the creation of an estimated 60,000 jobs.
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