Capital for the chair, the suite and the studio.
Hair and nail salons, lash bars, barbershops, med spas, beauty schools. From a single chair to several locations.
How the money
actually moves.
Service margins are healthy but the revenue is only as big as the number of chairs and the hours they are booked. Capital here is about capacity: a station, a suite, a device that opens a new service line. Because bookings are steady and card-heavy, a revenue advance fits naturally.
Cash flow weighs heavier than the owner's credit score in how these files are read. A booked calendar and steady card deposits say more than a FICO does.
Three things it is
usually for.
A new station or suite
Build-out and booth upgrade, with the existing chairs carrying the remit.
A device that opens a service line
Lasers, IPL, hydrafacial. Equipment financing with the device as collateral, sized to the revenue it adds.
Second location
Lease signed, build-out ahead, the first shop carrying the remit.
What your underwriter
reads first.
Specific to salons files. The general read, six things every file gets, is on the how it works page.
- 01Steady card deposits, several a week, are the strongest thing a salon file shows.
- 02Booth-rental income reads as revenue for the owner.
- 03Med spa files need the supervising physician credentials alongside the statements.
What a workable
salons file looks like.
These are shapes, not gates. The funder sets the floor, and we place the file where it fits or tell you plainly if it does not.
- 6+ months in business
- Revenue through a business bank account
- Cosmetology or business license where required
- Any credit profile
Asked by
salons owners.
With about six months of consistent revenue through a business account, often yes.
Underwriting asks for the supervising physician credentials; otherwise the process is the same and larger advances are available.
Yes, through equipment financing with the device as collateral.