INDUSTRY SOLUTIONS
Funding Built for Salons & Beauty Businesses
Salons, spas, and beauty studios run on skilled staff, well-equipped stations, and a steady book of clients, with sales that peak around weddings, holidays, and prom season. We provide fast, flexible funding designed for beauty and personal-care businesses: equipment, renovations, staffing, product inventory, and the working capital to stay booked year-round.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Equipment, stations, staffing & more
THE CHALLENGE
Why Salons & Beauty Businesses Need Capital That Moves Fast
Beauty is a chair-by-chair business. Every station you add and every stylist you hire is an upfront cost that pays back over months of bookings, and the busy stretches (wedding season, the holidays) demand staff, product, and space ready before the revenue lands.
To a loan officer, appointment-based revenue looks lumpy, and lumpy reads as risky. What the spreadsheet misses is your rebooking rate: a salon with a loyal, recurring book of clients has steadier income than the monthly totals suggest. Meanwhile, a broken styling chair or an open suite next door won't wait weeks for a bank to decide.
At Monera Capital, we've funded hair salons and barbershops, nail salons, lash and brow studios, waxing and tanning, blow-dry bars, and booth-rental and suite operations. Appointment-based, seasonal revenue is normal to us, not a red flag. And if what brought you here is nail salon funding or barber shop financing, those pages get specific about the stations, payroll, and seasons of each business.
Specialized Funding
Which Describes Your Business?
A nail salon, a barbershop, and a med spa don't run on the same cash flow. Find the funding built for yours.
Nail Salons
Fund pedicure chairs, state-required ventilation upgrades, and the payroll that keeps every station booked.
Nail salon funding
Hair Salons & Barbershops
Build out stations and suites, recruit stylists and barbers, and carry the slow weeks between your booked-solid seasons.
Hair salon & barber shop funding
Day Spas & Med Spas
Finance treatment-room build-outs, six-figure aesthetic devices, and the working capital behind a growing membership book.
Spa & med spa fundingHow Salons & Beauty Businesses Use Our Funding
Stations & Equipment
Add or upgrade styling stations, chairs, shampoo units, dryers, and the professional tools your stylists rely on.
New Location or Suite
Open a second salon, expand your footprint, or move to a higher-traffic spot, with lease deposits, build-out, and chairs covered.
Staffing & Stylists
Recruit and retain stylists, barbers, and techs, and cover payroll while you build your book of clients.
Retail Products & Inventory
Stock professional product lines for back-bar use and retail shelves, and lock in bulk pricing from distributors.
Marketing & Bookings
Fund local advertising, social campaigns, and loyalty programs that fill chairs and grow rebookings.
Booking & POS Technology
Upgrade your booking software, point-of-sale, and client-management tools to streamline your operation.
Funding Solutions for Salons & Beauty Businesses
We offer multiple products so we can match you with the right funding for your situation.
Equipment Financing
Finance styling stations, chairs, dryers, and salon or spa equipment with terms up to 60 months. The equipment serves as collateral.
Learn MoreWorking Capital Loans
Cover rent, payroll, and back-bar product, and bridge the gap between your busy seasons and slower stretches.
Learn MoreBusiness Loans
Lump-sum capital for larger investments, renovations, suite build-outs, or opening an additional location.
Learn MoreRevenue-Based Financing
Repayment that flexes with your daily sales. Booked-solid wedding season? Pay a bit more. Slower week? Payments adjust down automatically.
Learn MoreWhy Beauty & Personal-Care Owners Choose Us
We've worked with beauty businesses of every size, from single-chair barbershops and booth renters to multi-location salons and franchise operators. Appointment-based revenue, seasonal swings, and the equipment and product costs of running a salon are all familiar ground.
Apply Now- We understand appointment-based and seasonal revenue
- Approval in 4–8 hours, no waiting for banks
- Equipment financing with terms up to 60 months
- Revenue-based options that flex with daily sales
- Dedicated advisor who knows the beauty industry
- All credit profiles considered
Simple Requirements to Get Started
If your salon or beauty business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Beauty & Personal Care Funding FAQs
What can beauty and personal care businesses use funding for?
Salons, spas, and personal care businesses use funding for stations and equipment, a new location or suite, staffing and stylists, retail products and inventory, marketing and bookings, and booking and POS technology. Amounts run from $10,000 to $500,000.
How does funding fit appointment-based, seasonal revenue?
Revenue rises and falls with appointments and the season, so funding is structured around that. Working capital carries fixed costs through slower stretches, and revenue-based options can flex repayment with daily sales. Equipment financing covers stations and chairs up to 60 months.
Can beauty and personal care businesses qualify for funding?
Most beauty and personal care businesses qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can beauty and personal care businesses get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can beauty and personal care businesses get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can beauty and personal care businesses get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for beauty and personal care businesses?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
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