Industry expertise
Business Loans for Salons and Spas
Get working capital to buy new styling chairs or spa equipment, stock retail product, or cover payroll during a slower month, without a long bank process.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how beauty salons & spas actually run
A salon or spa's revenue is capped by the number of chairs, rooms, and hours you have, which means growth usually requires real investment, not just more customers walking in. Adding a station, opening a treatment room, or bringing in laser or spa equipment all take capital upfront, often before the additional revenue starts coming in. Wedding season and the holiday gift-card rush bring welcome spikes in demand, but the quieter months that follow still come with full rent and staff schedules.
TrustFi works with salons and spas of every size, from single-chair studios to multi-location businesses with a full spa menu. We look at your overall business, including the seasonal ebb and flow that's normal for this industry, rather than judging you on one slow month. Whether you need to replace a shampoo bowl, stock up on retail product before the holidays, or open a second location, applying takes under 10 minutes and does not impact your credit score. Approved salons can see funding in as little as 24 hours.
What we hear
The cash-flow pressures you know too well
Chairs and hours cap your revenue
Unlike businesses that can simply sell more to grow, a salon or spa is limited by the number of stations, treatment rooms, and hours in the day, so real growth usually means adding a station or a location, which takes capital before it pays off.
Seasonal demand swings around the calendar
Wedding season and the holiday gift-card rush bring welcome spikes in bookings, but the slower months that follow, often right after the holidays, still come with full rent and a full staff schedule to cover regardless of how many appointments are on the books.
Equipment and buildout costs run high
Styling chairs, shampoo bowls with plumbing hookups, facial beds, and specialized equipment like laser or microdermabrasion machines require a real upfront investment, and a treatment room buildout often needs licensed plumbing and electrical work on top of the equipment itself.
Retail inventory ties up cash on shelves
Stocking color, skincare, and other retail lines to sell to clients means paying suppliers before that product moves off the shelf, and an order size that's off in either direction either ties up cash in slow stock or leaves a popular item out.
Where the money goes
What beauty salons & spas use funding for
- Buy styling chairs, shampoo bowls, or facial beds
- Stock retail product lines for color and skincare
- Renovate or add treatment rooms for new services
- Cover payroll during slower post-holiday months
- Open a second salon or spa location
- Invest in laser or other specialized spa equipment
Our recommendation
Funding options that fit beauty salons & spas
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Term Loans
A fixed lump sum fits a one-time purchase like a shampoo bowl installation, a treatment room buildout, or a full equipment upgrade, with predictable payments over a set term.
How it works - Option 2
Business Line of Credit
Draw funds to restock retail product or cover payroll during a slower month, then repay and draw again as needed, which fits the natural seasonal swings in salon and spa demand.
How it works - Option 3
Merchant Cash Advance
Repayment scales with your daily card sales, which fits a business where revenue is tied closely to appointments and retail purchases rung up on the same card terminal every day.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can I get funding to open a second salon location?
Yes. Many salon and spa owners use funding to cover buildout costs, new equipment, and initial staffing for a second location. A term loan works well when you know the total project cost upfront, since it gives you a fixed amount with predictable payments over a set term.
How fast can a salon get approved for funding?
TrustFi offers a 2-hour response guarantee after you apply, and approved salons can see funding in as little as 24 hours. That speed matters when a shampoo bowl or piece of equipment fails and you need a replacement before it affects your appointment schedule.
Will a slow post-holiday month hurt my approval chances?
TrustFi looks at your overall business performance rather than a single slow month. The dip many salons and spas see in January and February after the holiday gift-card rush is a normal seasonal pattern, not a sign of a struggling business, and it's evaluated in that context.
What can salon and spa business loans be used for?
Common uses include buying styling chairs, shampoo bowls, or facial beds, stocking retail product lines, renovating or adding treatment rooms, covering payroll during a slower month, opening a second location, and investing in specialized equipment like laser or microdermabrasion machines.
Does applying affect my personal or business credit score?
No. Applying does not impact your credit score, and the application takes under 10 minutes to complete. That means you can review your funding options for a new piece of equipment or a slow month without any risk to your credit before deciding whether to move forward.
How does a merchant cash advance work for a salon?
A merchant cash advance is repaid as a percentage of your daily card sales, so payments rise and fall with how busy the salon actually is. That can make it easier to manage cash flow through a slower week than a fixed payment that doesn't adjust to your actual revenue.
Funding for beauty salons & spas, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees