Salons & Spas business loans
Salons and spas access working capital and equipment financing for chairs, lasers, and renovations — with revenue-based approvals based on credit-card deposits.
Industry overview
The US has more than 86,000 hair salons and 30,000+ medspas/day spas (Census County Business Patterns). The industry is highly fragmented and almost entirely card-funded — average credit-card share of revenue is 80%+ — which makes revenue-based working capital and MCAs perfectly fit.
The high-ticket equipment story is medspa: CoolSculpting, IPL, fractional CO2, EMSCULPT, and hair-removal lasers run $80k–$300k per device. Equipment financing at 100% with 60-month terms is the standard play.
Buildouts and rebrands typically use term loans of $50k–$250k with 1–3 year amortization.
Common funding needs
- Chair and equipment upgrades
- Laser and aesthetic devices
- Buildouts
- Marketing pushes
Salon and spa owners fund equipment, renovations, and growth with same-day approvals.
Pros
- Daily card volume = easy revenue-based approval
- Medspa lasers finance at 100% with 60-month terms
- Same-day funding for clean files
- Renewals after 50% paid down on MCAs
Cons
- Daily MCA debits are aggressive for a stylist-led shop without strong card volume
- Used medspa devices over 5 years old often require more down
- Manufacturer leasing programs sometimes beat third-party financing — always compare
Common mistakes to avoid
Financing a laser without verified demand
Run a 60-day deposit-only campaign before you order the device. Confirm bookings then close on financing.
Underwriting on Square reports instead of bank deposits
Lenders read business bank statements. Make sure card deposits hit the business account; daily Square netting can hide volume.
Buying chairs through 0% retail financing without reading the back
Most 0% promotions reverse to 22%+ retroactively if you miss a payment. Read the fine print on retail financing.
Real-world scenarios
$140k EMSCULPT NEO at 100% financing
A medspa added EMSCULPT NEO with $0 down on a 60-month equipment loan, recouped in 11 months on incremental package sales.
$60k salon rebrand and buildout
A 2-chair to 8-chair expansion funded via a 36-month term loan and a small inventory advance for retail product.
Illustrative scenarios based on common deal structures. Actual terms vary by underwriting.
Lead-gen pre-check
See if your salons & spas business qualifies
Free pre-qualification. No credit pull. No signup required.
Free pre-check
Eligibility checker
No credit pull. No data stored. Instant answer.
Underwriting disclaimer: The eligibility checker is a self-reported pre-qualification tool. It does not constitute an offer of credit or a guarantee of approval. Every funded file goes through full underwriting — including bank statement analysis, business verification, and a credit inquiry whose type (soft or hard) is disclosed before you sign. Final terms, rates, and amounts depend on underwriting and the specific lender or program.
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Free to apply. No upfront fees. Real underwriters review every file.
Funding products
Merchant Cash Advance
Fast capital based on future receivables
- Amount
- $5,000 – $2,000,000
- Speed
- Funded in 24 hours
Equipment Financing
Up to 100% financing for the gear you need
- Amount
- $10,000 – $5,000,000
- Speed
- Funded in 3–7 days
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses
- Amount
- $5,000 – $1,000,000
- Speed
- Funded in 24 hours
Top states for salons & spas
All states & provinces — salons & spas
Industry-specific salons & spas financing pages for every state and province we fund.
FAQs — Salons & Spas
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Get funded in as little as 24 hours
$5,000 to $25,000,000. Free pre-qualification. No upfront fees. Same-day decisions for clean files.