Beauty / Salon / Spa working capital & funding
Service revenue + retail product sales mix; mostly card / app-based payment with steady weekly revenue. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.
Common uses of capital in beauty, salon & spa
- Build-out or remodel (chairs, treatment rooms, retail displays)
- Equipment (laser, hydrafacial, massage tables, nail stations)
- Inventory of retail products (haircare, skincare lines)
- Marketing spend around bridal season + holidays
- Expansion to second location or additional services
Best-fit funding products for beauty, salon & spa
- Working capital advance — fast funding for build-out or equipment opportunities
- Equipment financing — high-ticket spa equipment (laser, hydrafacial)
- Lines of credit — for ongoing retail product inventory
- SBA 7(a) — for second-location expansion
- Seasonality & timing
- Q2 + Q4 spike (bridal season + holidays); Q1 slow.
- Qualification benchmark
- Salons / spas doing $30K+ monthly card volume qualify for working capital advances. $75K+ opens larger first-position facilities.
- Relevant NAICS codes
- 812111, 812112, 812199
Other industries we work with
Ready to apply?
3-minute prequalification. No SSN/EIN at this stage. Funding options within 1 business day.
Apply for funding →Want the full breakdown? Read our in-depth Beauty, Salon & Spa financing guide →