You need to enable JavaScript to run this app.
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 4+ months with $10,000+ in monthly revenue, you likely qualify — and the application's first step takes about 2 minutes.
What a salon usually finances is a step rather than a shortfall: a station that does not exist yet, a room that has to be built before the service can be sold, a stylist hired ahead of a book. The ordinary timing gap exists here too, a slow month or payroll landing before the takings, and the working capital it ties up is worth measuring. A step is a different question, because the application is read on the deposits the salon makes today and not on the ones the new capacity is meant to add. So the question underneath any expansion is how long new capacity takes to fill, and whether the chairs already working can carry the payment while it does. Carry a number into that conversation: how many weeks your last new station took to reach a full book.
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 deposits arrive most days in many small tickets, a weekly remittance usually sits comfortably against them here — and a salon whose revenue is mostly monthly booth rent may suit a monthly schedule, for a file that qualifies.
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.
We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. Big-ticket items with a vendor quote are worth pricing both ways, and smaller build-out costs usually fit working capital. 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 can be financed through a direct lending partner instead, which we arrange.
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.
Only if the gap has an end. Funding fits a dip that will close: a replacement already hired, a book the salon expects to keep, a few slow weeks rather than a permanent step down. If the clients are gone for good, the revenue a payment would be sized against has gone with them, and borrowing to cover it adds a fixed cost to a smaller business. Either way the fall shows in your statements, and a most recent month well below the average, with no explanation, is usually a decline, so explain it in the application. Then size any request on the salon you will have after the departure, not the one you had before it.
As next month’s chair time already sold. A client’s prepayment is a sale, so underwriting reads it across your four months of statements like any other customer deposit. The thing to watch is on your side. A month that looks strong partly because a lot of bookings were taken is a month whose labour cost is still in front of you, and the payment schedule will be running through that time too. Size the request on what the chairs earn, not on a month flattered by deposits for work still to come.