Who we fund
Salon, Spa, and Barbershop Financing for Owners Ready to Grow
Yes, salons, barbershops, and spas can get funding, especially once they have a few months of consistent card sales. Owners commonly use it for remodels, new stations and equipment, retail product inventory, and covering slow periods.
Get matched: beauty salons
The reality
Cash-flow challenges we hear every day.
Upfront cost of a buildout or remodel
Shampoo stations need plumbing, chairs and mirrors add up fast, and the look of the space affects what clients will pay. Most of that is paid before the doors open.
Booth rent versus commission models
Booth-rental salons have steady but limited income, while commission salons carry more payroll risk. Changing models or adding staff shifts cash flow in ways that take time to settle.
Uneven weeks and seasonal peaks
Holidays, prom, and wedding season bring rushes, while January and late summer can be slow. Rent and product orders do not slow down with bookings.
Spa and med-spa equipment costs
Laser, facial, and body treatment devices are expensive and often require training before they generate revenue.
Best-fit funding
Funding that fits beauty salons.
Styling chairs, shampoo units, and spa devices can be financed with the equipment as collateral, so you can upgrade without draining reserves.
$10K–$5M‡2–5 days*Working capital based on your card sales is quick to access and useful for retail product orders or a slow month.
$10K–$1M‡24–72 hours*A term loan with predictable payments fits a remodel or second location where you know the total cost upfront.
$25K–$2M‡2–7 days*A line of credit gives you a cushion for product reorders and small repairs without applying each time.
$10K–$500K‡1–3 days*What lenders look for
Typical profile for beauty salons.
Lenders usually review bank and card processing statements to gauge how steady bookings are, plus time in business and the owner's credit. For med spas, licensing and the credentials of providers can also come up.
Common uses of funds
- Remodeling or redesigning the salon
- Adding styling stations and shampoo units
- Buying laser or spa treatment equipment
- Stocking retail hair and skincare products
- Opening a second location
- Upgrading booking and point-of-sale software
Can a booth-rental salon get a business loan?
Yes. Lenders look at deposits into the business account, so steady booth rent payments can support an application, though total revenue may limit the amount.
Can I get financing to open a new salon?
Startup salons have fewer choices, but equipment financing and SBA loans with a solid business plan and owner experience are possible paths.
How do med spas finance laser equipment?
Equipment financing is the most common route because the device secures the loan. Lenders may ask about provider licensing and the treatments you plan to offer.
Do lenders care if I am a barbershop versus a salon?
Generally no. Barbershops, salons, nail studios, and spas are evaluated mainly on cash flow, time in business, and credit.
Funding for beauty salons, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor