Beauty businesses are build-out heavy and detail-driven: stations, equipment, and a fresh-looking space cost real money, product has to be on the shelf, and revenue ebbs with the season. Banks often pass on smaller, service-based shops. We fund on your sales.
Fast reviews · Clear communication · No misleading promises
A salon or spa lives on its space and its stations, and keeping both current costs money. Add retail product to stock, equipment that wears out, and revenue that rises and falls with the season, and timing gets tight. Many shops are too small for a bank to bother with.
Revenue-based funding looks at your card sales and deposits, so a busy shop can refresh the space, add a station, stock product, or get through a slow stretch, and repay as the bookings come in.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Cut, color & styling
Cuts & grooming
Nails & manicure
Massage & skincare
Aesthetic & cosmetic
Lash, brow & wax
Tanning studios
Suite & chair rental
Stations, chairs, and mirrors
Salon or spa remodel
Equipment, dryers, lasers, wax
Retail product inventory
Payroll and booth setup
Booking software and marketing
Slow-season cash flow
Opening a second location
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly sales
An active business bank account
Steady card or booking revenue
U.S.-based salon or beauty business
3–6 months of business bank statements
Card-processing statements
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Time for a long-overdue remodel
Funded fast, refreshed without closing
Product restock before a slow month
Drew to stock retail, repaid on sales
Opening a second location
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund the smaller shops banks skip
Speed to refresh a space or add a station
Salons, spas, barbershops & studios
Straight talk, no guaranteed-approval hype
Repayment that flexes with bookings
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
A fixed daily or weekly remittance keeps collecting through your slowest stretch, and beauty demand sags hard after the holidays and again midsummer, so the same dollar comes out on a week that booked half as many chairs.
Much of a salon's revenue is cash and tips that may never touch the card processor, so an advance sized off card volume alone can debit more than your true daily take supports.
If you funded a remodel, the work can close stations or whole rooms for a few days right when remittance is due, so you carry the cost of the advance while part of the floor is not earning.
Booth-rent and commission shops only keep a slice of each ticket, so a remittance set against gross sales can quietly eat the owner's actual margin rather than the top-line number it looks like.
Say a salon takes a $30,000 advance at a 1.30 factor to add two stations and restock retail. That is $39,000 of receivables purchased, with no compounding, repaid over roughly 9 months. On about 21 business days a month that is close to $206 a business day. The honest test is whether a typical Tuesday, not a fully booked Saturday, still clears the chair costs and that debit. The APR-equivalent on a deal like this is usually well into the double or triple digits, which is an estimate for comparison only and not how an MCA is actually priced.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“We refreshed the whole salon, new stations, new floor, without closing for a week. The funding made it painless.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.