Business funding for salons, spas, and beauty businesses
Reviewed by Turan Zeynal, Managing Partner, Outset Funding Partners ·
Salons, spas, barbershops, and med-spas with $10k+/month in card revenue typically qualify for $10k–$250k in funding — used most often for build-outs, adding chairs or rooms, product inventory, and equipment. Approvals are based primarily on card revenue history and take 24–72 hours.
Quick facts
- Typical amount
- $10k – $250k
- Speed to funding
- 24 – 72 hours
- Min monthly revenue
- $10,000
- Time in business
- 6+ months
- Min FICO
- 500+ (MCA) / 650+ (LOC)
- Best fit
- Working capital, equipment, LOC
The 60-second answer
Salons, spas, barbershops, and med-spas are card-heavy businesses with predictable revenue — which makes them straightforward to fund. Whether you're adding chairs, opening a second location, buying laser or hair-restoration equipment, or stocking retail products, capital moves fast because revenue is easy to verify.
For qualified operators, a business line of credit is the cheapest way to smooth cash flow and fund small equipment. For faster capital or looser credit, revenue-based funding is the standard fit in this industry.
Pros and cons
- ✓Card-heavy revenue = fast underwriting and fast funding
- ✓Equipment financing available for lasers, chairs, hydrafacial, and med-spa equipment
- ✓LOC is ideal for lumpy inventory and product buys
- ✓Can fund a build-out or second-location expansion
- ✓No strict use-of-funds requirements on working capital
- ×MCA daily debits can be tight on slow weeks — right-size the advance
- ×Med-spa equipment financing may require a personal guarantee
- ×Stacking multiple MCAs is a known trap in this industry
Who qualifies
- •Hair salons, barbershops, nail salons, spas, med-spas, tanning, wax studios
- •$10,000+ in monthly card + cash revenue
- •6+ months operating (12+ preferred)
- •US-based, active business bank account
- •500+ FICO
Frequently asked questions
Can I fund a build-out for a new salon location?
Yes. Working capital or an SBA loan can cover build-outs. Working capital funds in days; SBA is cheaper but takes 60–90 days. Many operators use working capital to move fast and refinance into SBA later.
Can chair-rental salons get funded?
Yes, if the salon itself has revenue running through its bank account. If chairs are rented out and stylists deposit their own income, funding options are more limited.
How much can a med-spa qualify for?
Established med-spas with $30k+/month in revenue often qualify for $75k–$250k+ in working capital, plus separate equipment financing for lasers and treatment machines.
Can I finance new booth or salon chairs?
Yes. Equipment financing covers salon furniture, styling stations, hydraulic chairs, and shampoo bowls with terms typically 3–5 years.
Related answers
Explore more
Get matched with funding partners in our network. Fast pre-qualification, no hard credit pull, no obligation.
Check funding options