In the beauty business, your space is your brand. Whether you run a hair salon, day spa, nail salon or barbershop, looking current and stocked keeps clients coming back. Salon and spa loans fund the build-out, equipment and inventory to grow — without draining the cash your chairs bring in.
What salon & spa owners fund
- Build-out & remodel — open, refresh, or expand your space.
- Chairs, stations & equipment — styling stations, spa beds, and tools.
- Product inventory — retail and back-bar stock.
- Marketing & booking tech — fill the chairs and rebook clients.
- A new location — open your next salon.
Funding options
Working capital for inventory, payroll and marketing — no minimum credit score on many programs. Equipment financing for chairs and spa equipment with low or no money down. Line of credit for flexible, ongoing needs.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do salons get funding?
Working capital for inventory and marketing, equipment financing for chairs and stations, and term loans for build-out — many with no minimum credit score.
Can I get a salon loan with bad credit?
Yes — revenue-based programs approve on your deposits, and equipment financing is secured by the equipment.
How fast is funding?
Working capital can fund the same or next business day.