Capital for a calmer bottom line.
Treatment tables, linens, and skincare lines add up fast, and you need funding that flows as smoothly as your service. For day spas nationwide.
We know how spas really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeTreatment equipment is expensive to add.
The fair fixFund new tables, saunas, or steam rooms without tying up your cash.
The squeezeBookings dip during slow seasons.
The fair fixPick interest-only options so quiet months never threaten your payroll.
The squeezeSlow banks stall your expansion plans.
The fair fixGet a fast decision and often fund your project in under a week.
What spa owners use it for
Put the capital where it moves the needle most.
Massage and treatment tables
Sauna and steam room equipment
Skincare product lines
Linens and spa supplies
Relaxation room renovation
Booking and spa management software
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for day spas
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your spa?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
