Capital shaped to buildout, equipment, and the months before the chair is full.
The math is hard at the start. A full salon buildout runs $150K to $500K once you add wash stations, plumbing, chairs, lighting, reception, and the dryer line. A medspa buildout pushes higher once treatment rooms and HVAC get priced in. Then the laser, the microneedling rig, or the aesthetic device lands at $60K to $150K and sits idle until marketing finds the first patients. Most new locations take 6 to 9 months to reach steady booking.
Equipment financing is the first tool. The laser or device secures the loan, terms stretch to match the useful life, and the payment lines up with procedure revenue once the room is running. A working capital line covers payroll, product, and marketing through ramp. On a second location, SBA 504 handles real estate at a 10 percent down payment and a line of credit covers the opening gap. Your underwriter picks the mix.
- Buildout and tenant improvements for a new salon, spa, or medspa location
- High-ticket specialty equipment like laser hair removal, aesthetic devices, and hydration bars
- Slow ramp to full booking on a new chair, room, or provider
- Scaling from owner-operator to multi-chair staff or a second location
We have done this before. A lot.
Equipment financing on laser, aesthetic, and medspa hardware with terms that match device lifespan
Buildout funding for new salons, spas, and medspas before the doors open
SBA 504 for real estate and tenant improvements on a second location, down to 10 percent down
Working capital lines for staffing, product inventory, and marketing during the ramp to full booking
Approvals weighted on deposits and booking velocity, not just credit score
One underwriter who has funded salons, spas, and medspas before and knows the category cash rhythm
The products that actually move the needle here.
Things beauty & wellness owners ask first.
Yes. SBA 7(a) and conventional term loans both fund buildouts pre-revenue. You will need a lease, a buildout budget, a personal investment in the deal, and usually prior industry experience. If you already run one location and you are opening the next, approval is cleaner because the first location carries the underwrite.
Equipment financing is the standard tool. The device itself secures the loan, so credit requirements are easier than unsecured debt. Terms usually run five to seven years, which lines up with the useful life of most laser and aesthetic hardware. A $100K device at a monthly payment can pay for itself inside 12 to 18 months of procedures at standard pricing.
Both, but booking velocity and daily deposits carry real weight. A salon or medspa with strong booking and six months of consistent deposits will qualify for working capital even with a thin personal credit file. Equipment lenders care about the asset and the operator. SBA cares about debt service coverage and operator experience.
SBA 504 for the real estate and tenant improvements, and a line of credit for opening working capital. That combination keeps long-term debt cheap and keeps payroll, inventory, and marketing covered through the ramp. If you are leasing instead of buying, SBA 7(a) replaces the 504 piece and the rest of the stack stays the same.
Funding built around beauty & wellness.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.