Beauty salon loans, simplified.
From refreshing your salon interior to adding new services and stations — we connect salon and spa owners with fast, flexible capital built around the beauty industry.
The Challenge
Your salon's look is your brand — and that takes investment
Beauty salons, barbershops, and spas compete on experience, atmosphere, and talent. Keeping your space fresh, your stations stocked, and your team growing requires steady reinvestment — but cash flow from appointments and retail sales doesn't always line up with when you need to spend.
Renovation & Interior Design
Refreshing your salon's look — new flooring, lighting, reception area, or a full redesign — is essential to staying competitive but requires significant upfront capital.
Equipment & Stations
Styling chairs, shampoo bowls, dryers, color processors, laser systems, and spa beds all have limited lifespans and need replacement or upgrading as your business grows.
Product Inventory & Retail
Stocking professional product lines, launching a retail section, or switching brands ties up cash — but retail revenue can significantly boost your per-client average.
Talent & Marketing
Recruiting and training stylists, running Instagram campaigns, and building your brand presence all cost money upfront with returns that come gradually through bookings.
Financing Options
Choose the right financing for your salon
Whether you're a solo booth renter, a multi-chair salon, or a full-service spa — our products are designed to keep your business looking its best.
Business Line of Credit
Revolving credit for product orders, supplies, and daily operating costs. Draw what you need between busy and slow weeks and replenish as appointments fill up.
- Amount
- $5K – $250K
- Speed
- 1–2 days
- Min. FICO
- 600+
Business Term Loan
A lump sum with fixed payments for major projects — a full salon renovation, adding a spa wing, purchasing your building, or opening a second location.
- Amount
- $5K – $500K
- Speed
- 2–5 days
- Min. FICO
- 650+
Equipment Financing
Finance up to 100% of styling chairs, wash stations, dryers, laser and aesthetic systems, and spa equipment. The equipment serves as its own collateral.
- Amount
- Up to 100%
- Speed
- 2–7 days
- Min. FICO
- 600+
Revenue-Based Financing
Get a lump sum based on your salon's revenue — repaid as a percentage of daily or weekly card transactions. Perfect when you need capital fast for a time-sensitive opportunity.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Invoice Financing
Unlock cash from outstanding invoices owed by corporate accounts, bridal parties, event bookings, or wholesale product buyers. Advance up to 90% within 24 hours.
- Amount
- Up to 90%
- Speed
- 24 hours
- Min. FICO
- 600+
Not sure which product fits?
Our advisors work with salon and spa owners and can help match you with the right financing for your business.
Talk to an AdvisorEligibility
Do I qualify for salon financing?
Minimum Qualifications
- 500+ personal FICO (varies by product)
- At least 3 months in business
- $4,000+ in monthly revenue
- Active business checking account
What You Need to Apply
- Basic info about your salon or spa
- Last 3 months business bank statements
- Owner identification
- 3–5 minute application
Applying is free and won't impact your credit score.
Funding Estimator
How much could your salon qualify for?
Select your credit range and monthly revenue to see an estimated funding amount.
Free to apply · No credit impact
*Results shown are for general informational purposes and illustration only, and are not to be treated as an offer. Applications are subject to approval.
Use Cases
How salon owners use Ridgepeak Capital
Renovating the salon to attract new clients
A hair salon in a competitive market needs a $45K refresh — new flooring, lighting, mirrors, and a modern reception area. A term loan provides the lump sum with predictable monthly payments over 2 years.
Term LoanAdding laser hair removal services
A day spa wants to expand into laser aesthetics but needs a $75K diode laser system. Equipment financing covers 100% of the cost with the machine as collateral — generating new revenue from month one.
Equipment FinancingStocking a new professional product line
A 10-chair salon is switching to a premium hair care brand and needs $18K to stock shelves and set up retail displays. A line of credit covers the initial order and gets repaid as products sell through.
Line of CreditRunning an Instagram campaign to fill the book
A nail salon and lash studio wants to invest $12K in paid social media and influencer partnerships ahead of prom and wedding season. Revenue-based financing delivers the capital within 24 hours.
Revenue-Based FinancingHow It Works
From application to funding in three steps
Apply in minutes
Complete our quick online application in under 5 minutes — between clients, during a break, or after closing. No paperwork and no credit impact.
Get matched
Our platform evaluates your salon's profile and matches you with the best financing options from our network of 75+ lenders.
Get funded
Choose the best offer and receive capital in your business account in as little as 24 hours. Invest in your space, your team, and your growth.
FAQs
Common questions about salon financing
Everything salon and spa owners need to know before applying.
What types of financing are available for beauty salons?
Beauty salons can access business lines of credit for product inventory and operating costs, term loans for renovations and expansion, equipment financing for styling chairs, wash stations, laser systems, and spa equipment, revenue-based financing for fast working capital, and invoice financing for outstanding corporate or wholesale receivables.
Can I get a salon loan with bad credit?
Yes. Revenue-based financing is available with FICO scores as low as 500 and qualifies based primarily on your monthly salon revenue rather than credit history. Other products like lines of credit and equipment financing generally require a 600+ score. There are options across most credit profiles.
How fast can a beauty salon get funded?
Revenue-based financing and lines of credit can fund in as little as 24 hours after approval. Equipment financing and term loans usually take 2 to 7 business days depending on the amount and documentation. The application itself takes less than 5 minutes.
What can I use a salon loan for?
Salon financing can be used for styling chairs and wash stations, renovation and interior design, product inventory and retail displays, marketing and social media campaigns, laser and aesthetic equipment, hiring and training stylists, opening a new location, or bridging cash flow gaps during slower months. Funds deposit directly to your business account.
Do I need collateral for a salon loan?
Not for all products. Revenue-based financing and business lines of credit are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral. Term loans may require a personal guarantee depending on the lender and loan amount.
How much can a beauty salon borrow?
Funding amounts range from $5,000 to $2 million depending on the product, your annual revenue, and time in business. Most salons qualify for $10K to $200K based on their monthly revenue and client volume. Revenue-based financing offers the widest range, while lines of credit max out at $250K.
Ready to elevate your salon?
Apply in minutes. No impact to your credit score, and funding can arrive in as little as 24 hours.
Apply NowHave questions? Talk to an advisor.
Our team works with salon and spa owners and can help you find the right financing for your business.
Contact Us*The content provided on this page reflects the opinions and insights of Ridgepeak Capital, based on our research, methodologies, evaluations, and various additional considerations. This information is accurate as of the initial publication date. Ridgepeak Capital makes every effort to update and maintain the accuracy of this content, however, the information may differ from what you may find on other platforms. All information is presented without any warranty. We encourage you to carefully review the terms and conditions, relevant policies, contractual agreements, and all applicable details of the financial institution when considering offers. The ranges mentioned here do not represent pre-qualified offers. Ranges may be greater or less based on the information provided in your business financing application. Ridgepeak Capital may receive compensation from financial institutions reviewed on this page if you proceed to obtain business financing through them.