Capital for salons, spas, and personal care.
Build out your space, add chairs and rooms, and stock product — with right-sized funding that respects your margins. For salons and spas nationwide.
We know how salons 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 squeezeBuild-outs and chairs cost thousands up front.
The fair fixFunding for expansion on terms that fit thin margins.
The squeezeProduct inventory ties up cash.
The fair fixWorking capital to stock the lines your clients want.
The squeezeSlow weeks make fixed bills hard.
The fair fixFlexible payment options for seasonal dips.
What salon owners use it for
Put the capital where it moves the needle most.
Suite & station build-outs
Chairs, equipment & furniture
Product inventory
Marketing & rebranding
Hiring & payroll
New location openings
Specific industries we serve
Your exact line of work may have its own page, with tailored financing and the needs we see most.
Tools and guides for salons, spas & personal care
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 salon?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
