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Upgrade equipment, expand services, or open new locations with flexible funding.
Salons and spas grow chair by chair — and every stage of that growth is capital-hungry: build-outs, stations, hydraulic chairs, color inventory, and the marketing that keeps books full. Traditional lenders often balk at service businesses with few hard assets; our underwriting reads your deposits instead.
We fund hair salons, barbershops, nail studios, spas, and medspas at $5,000–$10 million. If you've been open 3+ months with $10,000+ in monthly revenue, you likely qualify — and the application takes about five minutes.
Salons typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A salon doing $22,000 a month usually lands in the $17,600–$33,000 band. Because ticket volume is steady, weekly remittance tends to sit comfortably against deposits here.
If it lands in your business account as consistent deposits, it counts. Underwriting reads your bank statements — booth rent, services, and retail all add up together.
Yes — approval is based on the revenue of your existing location, which is exactly how most multi-location owners fund expansion.
Big-ticket items with a vendor quote can be structured as equipment financing at better pricing. Smaller build-out costs usually fit a working-capital product. Your advisor will split it sensibly.
Renovation and leasehold work generally can't be secured against an asset, so it's priced as unsecured working capital. Chairs and treatment equipment may be financeable secured, which costs less.
Yes — rent income is revenue. Underwriting reads the deposits either way, though the mix between booth rent and service revenue shapes what payment schedule fits.