Flexibility of Beauty Salon Equipment Financing
Flexibility of Beauty Salon Equipment Financing
Upgrade mirrors, chairs, treatment tables, HVAC, lobby furniture, TVs, counters and POS without choking cash flow. We structure financing and leasing to fit seasonality, promos, and growth.
Compare Business Loans, MCA, and Equipment Financing
| Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
|---|---|---|---|
| Ownership | 50% | 50% | 100% |
| Origination / Admin / Titling Fees | Low | Low to moderate | Varies |
| Payment Cadence | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
| Credit Minimum | 600 | 500 | 650 |
| Disbursement | Client | Client | Vendor |
| New/Used Eligible | n/a | n/a | Yes |
| Maximum Term | 24 months | 12 months | 60 months |
| Time in Business | 2+ years | 6 months | Startup OK |
| Rates | Moderate | High | Low |
| Application-Only | $150K | $250K | $250K |
| Funding Time | Same day funding | Same day | 1–5 days |
Reality check: MCA is fast but expensive. If equipment is the driver, equipment financing or leases usually deliver the best total cost and fit.
Promotions & Flexible Programs
- $99 for the first 12 months
- 90-Day Deferral (no payments first 3 months)
- Seasonally varied plans
- 0% for 24 months with 20% buyout (select equipment)
- Stepped-down leases that follow depreciation
- Fast online approvals to $150,000 (higher with financials)
Salon Equipment Financing vs. Leasing
Salon Equipment Financing
Own your spa/salon assets over time with fixed payments and terms up to 60 months.
- Build equity in chairs, stations, skincare machines, furniture
- Vendor paid directly; install/delivery often included
Salon Equipment Leasing (FMV)
Off-balance-sheet style option with end-of-term flexibility.
- Lower monthly payment; 100% deductible payments (consult CPA)
- Options to purchase (e.g., 10% or FMV), return, or upgrade
Both paths preserve cash, avoid large upfront costs, and keep your look fresh with consistent upgrades.
Explore Beauty Salon & Spa Financing Programs
- Up to 120% equipment cost (soft costs included)
- App-only up to $150,000 for salons
- Up to $5,000,000 with financials
- Next-day funding approval
- 12–60 month fixed terms
- No down payment for qualified borrowers
- Lowest industry rates for qualified credit
- New & used equipment eligible
- Does not report to personal credit
- No pre-payment penalties
Credit Requirements for Startup Salon Owners
- Active business license / entity
- Personal guarantees from all owners
- Minimum 600 credit score
- No bankruptcies in last 7 years
- No unresolved tax liens
What Is “Application-Only” Equipment Financing?
When you don’t have full financials (common with cash-heavy businesses), application-only lets you qualify based on time in business, credit history, and bank statements—without tax returns. Apply to $250,000 application-only in select programs.
Salon Equipment We Can Finance
- Styling chairs & barber stations
- Nail stations & pedicure chairs
- Facial beds / treatment tables
- Tanning equipment
- Washers & dryers (back-of-house)
- Massage chairs, booths, salon furniture
Why It’s Easier Than a Bank Loan
- Less paperwork
- Equipment is the collateral
- Faster processing & funding
- Flexible credit windows
Beauty Salon & Spa Equipment Financing — FAQ
How does equipment financing work for salons and spas?
We fund the purchase or lease of your equipment. You repay in monthly installments over a set term. With leasing, you may buy, return, or upgrade at term end.
What equipment can be financed?
Chairs, stations, treatment beds, skincare machines, dryers, furniture, POS—new or used. We pay approved vendors directly.
What are the benefits vs. paying cash?
Preserve capital, match payments to revenue, potential tax benefits, and keep your look modern with planned upgrades.
Is a down payment required?
Depends on credit, time in business, and program. Many qualified borrowers can access $0 down options.
What if I default?
Equipment may be repossessed and credit impacted. We’ll work to structure payments you can sustain—call us early if you foresee issues.
Can I finance upgrades or expansions?
Yes. Use financing for refreshes, new services, or additional locations. We can also structure seasonal and stepped payments.
What Do I Need to Apply?
- Online Application: Complete, upload, authorize. Soft inquiry up front; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice/Quote: Multiple vendors welcome. We can bundle into one monthly payment.
- 3–4 Months Bank Statements: To verify income, banking, and funds; align for ACH autopay.
Online Application — Beauty Salon & Spa Financing
Prefer to price it first? Get an instant quote.
Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
Ownership | 50% | 50% | 100% |
Origination, Admin Titling Fees | Low | Low to moderate | Varies |
Monthly Payments | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
Credit Minimum: | 600 | 500 | 650 |
Fund Disbursements | Client | Client | Vendor |
New/Used Equipment | n/a | n/a | Yes |
Maximum Term | 24 months | 12 months | 60 months |
Time in Business | 2+ years | 6 months | Startup Ok |
Interest Rates | Moderate | High | Low |
Application Only | $150K | $250K | S250K |
Funding Time | Same Day Funding | Same Day Funding | 1- 5 days |