Salon & Spa Business Loans
Whether you're adding stations, stocking retail product, or smoothing a slow month, get matched with lenders who understand beauty businesses. Free to apply, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding that fits beauty businesses
Salons and spas run on appointments and retail sales that swing with the season, while rent and product costs stay constant. Funding helps you invest in the space and ride out the slower stretches.
What salons and spas use funding for
- Building out chairs, stations, or treatment rooms
- Stocking retail and back-bar product
- Buying equipment (dryers, lasers, massage tables)
- Covering rent and payroll in slow seasons
- Marketing to fill the books
Options that work for salons and spas
- Working capital loans for product and payroll
- Equipment financing for higher-cost devices
- Merchant cash advance against card sales, which suits the steady card volume most salons run
What lenders look at
- Monthly card-sales volume
- Time in business
- Deposit consistency — steady bookings matter more than a perfect credit score
Salon equipment financing and nail salon loans
Whether you run a hair salon, nail salon, or day spa, equipment financing covers chairs, dryers, lasers, and tables using the gear itself as collateral — which keeps approval within reach even with lower credit. Steady card sales also open up working capital and revenue-based options sized to your bookings.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
A merchant cash advance gives you cash now, repaid as a percentage of daily sales. See if you qualify — compare offers, no hard credit pull.
Finance equipment, machinery, and vehicles using the equipment itself as collateral. Easier approval, preserve cash. Compare offers, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
