Salon and spa financing
Get $5,000 to $10 million to add chairs, renovate your salon, hire staff or stock products, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Salon and spa financing options at a glance.
Clients pay as they visit, while new chairs, rooms and devices are paid for up front. The right option depends on what you’re adding.
Small Business Term Loans
- Best for
- A renovation, more treatment rooms or a second studio
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Retail products and payroll through quieter weeks, drawn only when you need it
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Styling chairs, wash stations, treatment beds and lasers
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- Launching a new service, or the weeks after a renovation while bookings build
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Bridge Capital
- Best for
- Buying a salon or a second site while longer financing closes
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How salon and spa financing works.
A salon or spa grows by adding another chair, a treatment room or a device clients ask for. Each is paid for up front and pays for itself over months of bookings. Financing spreads the cost over those months.
You apply online in minutes. Our team reviews your application and brings you the options that fit your business. We look at your revenue, deposits and time in business, not just your credit score, and card payments, packages and memberships all show in your deposits.
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Choosing the right option. A laser or a set of chairs suits equipment financing, secured by the equipment. A renovation or a second studio suits a term loan. Retail stock and quieter weeks suit a line of credit, and buying a salon while a longer loan is arranged suits bridge capital.
What we look at. Your recent deposits, your time in business and your credit. Memberships and prepaid packages count as steady revenue.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars, against the bookings the purchase adds.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Salon and spa financing for every situation.
Salons and spas grow by adding a chair, a room or a new service.
A service clients keep asking for
A new treatment brings more bookings from clients you already have. Equipment financing spreads the cost of the device over the appointments it brings in.
Wedding and holiday season
Your busiest weeks need extra staff and more retail stock. A line of credit covers staff and retail stock before the busy season starts.
An established salon’s owner is retiring and selling the business. Bridge capital secures the salon, its stations and its client book while longer financing closes.
What salon and spa owners use financing for.
Chairs and stations
Styling chairs, wash stations and treatment beds for the stylists and therapists you’re adding.
Treatment devices
Lasers and skin devices for the services clients ask for by name.
A renovation
More rooms, better lighting and a new front desk.
Retail products
The products you recommend to clients, kept in stock.
Hiring and training
New stylists, estheticians and therapists, and the courses that keep their licenses current.
A second location
The build-out, deposits and opening payroll for the next studio.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A salon or spa with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a salon or spa’s cash flow?
Through your business bank statements. Card payments, packages and memberships all show up as deposits, and a full appointment book shows as steady weekly deposits.
We have busy seasons and quiet ones. Does that matter?
Prom, wedding and holiday seasons are normal in the business, and we read the quieter months alongside them.
Can I finance a laser or another treatment device?
Yes. Equipment financing covers treatment devices, chairs and beds, new or used, with the equipment itself as the collateral. You’ll need a quote from the seller.
How much can a salon or spa get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of the equipment’s value.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.