Beauty / Salon / Spa working capital & lending

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.

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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 lending 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

Restaurant & Food Service Auto Repair & Body Shop Medical & Dental Practice Construction & Trades Retail & E-commerce Trucking & Transportation Professional Services

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