Salons & spas: business funding
Chairs, treatment beds, a renovation or a second location: salons and spas usually borrow for build-outs and equipment, with steady card sales that lenders can see.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Renovating or expanding the space
- Buying chairs, treatment beds, laser or aesthetics equipment
- Stocking retail product
- Covering payroll through a slow month
What usually fits
Products that usually fit
- Term loan for renovations and a second location.
- Equipment financing for chairs, beds and aesthetics equipment.
- Line of credit for product and slow months.
- Working capital for short-term gaps.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Separately, our sister company CELER Merchants offers card processing.
Illustrative example
A worked example
A salon needs $25,000 to renovate its space. With a 2-year term loan at an illustrative 10–25% APR, payments come to about $1,154–$1,334 per month, or $27,687–$32,023 in total.
Compare that with the extra revenue the renovation needs to bring in each month to pay for itself before you sign.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Monthly card and bank deposits
- Booth rental or commission structure (it affects how revenue shows up)
- Lease length at the current location
- Existing debt and daily debits
- Owner credit and time in business
Honestly
Who this is not for
- A salon that is not open yet: most lenders need operating history
- A business without a business bank account: lenders need to see business deposits
- Borrowing short-term money for a renovation that will take years to pay back
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly revenue | $15,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Salons & spas funding questions
Can a booth-rental salon get funding?
Yes, but lenders look at how the rent shows up in your deposits. Bring statements that show booth rent coming in regularly.
Can I finance aesthetics or laser equipment?
Often, yes, through equipment financing. The lender usually wants a quote from the vendor.
How much can a salon borrow?
It depends on monthly deposits, time in business and credit. Lenders in our network start at $15,000 a month in revenue and 1 year in business.
Will applying affect my credit?
Our intake does not pull your credit. A lender only runs a full check if you choose to move forward, and they tell you first.
See your options
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.