01Salons and wellness
Funding for salons and wellness.
Minimum average deposits
Card-heavy, frequent and predictable, which makes this an easy sector to fund. One structural detail matters more than anything else: if the chairs are rented rather than staffed, the business banks a fraction of what passes through the building.
02How the money arrives
What your statements actually show.
Underwriting reads your bank account, not your industry. Knowing how revenue reaches the account in this sector is what makes the difference between a file that is understood and one that is misread.
- Revenue shape
- Card-dominant, high frequency, modest ticket, with membership and package models adding recurring ACH that is exceptionally readable. Retail product sales sit alongside services in most salons and spas.
- How it reads to a funder
- Consistent daily card settlement with a strong weekend shape, plus a recurring membership run where that model is used. Among the cleanest profiles here, provided the deposits reflect the whole business.
- Seasonality
- Event-driven and quite predictable. Peaks run into holidays, proms and wedding season; gyms and studios see a pronounced January intake with attrition through spring. The quiet stretches are known well in advance, which makes them plannable.
03What it funds
What the money is usually for.
Not a list of everything money can do. These are the things owners in this sector actually come to us for.
- Stations, chairs, treatment rooms and equipment
- Buildout, refurbishment or relocating to a better site
- A second location, which is the usual growth step in this sector
- Retail product inventory
- Marketing ahead of a known seasonal intake
Amounts run from $15,000 to $20,000,000, sized against what the account takes in rather than against what the money is for.
04Strength
What strengthens the file here.
The general list is on the qualification page. These are the things that carry particular weight in this sector.
Reads well
- Daily card settlement of consistent size across the week
- Membership or package revenue, which is contractual and recurring and read favourably
- Retail product sales alongside services, which broadens the revenue base
- Stable staffing, since service capacity and revenue move together here
05Friction
What complicates it.
None of these is an automatic no. Each one changes what is available, and each one is better raised by you at the start than found in the statements later.
Booth rent, which changes the whole file
Where stylists rent chairs and take their own takings, the salon banks rent rather than service revenue. A busy site can therefore show modest deposits, and any funding sized against what the building appears to turn over will be sized wrongly. Say which model is in place at the outset: it is the single most consequential fact about a salon file.
Capacity tied to individual staff
When a stylist or therapist leaves, their column of the revenue frequently leaves too. Funders read staff turnover in this sector as a direct revenue risk rather than an operational one.
Memberships counted before they are earned
Prepaid packages and annual memberships arrive as cash now against services owed later. It is real revenue, but part of it is a liability, and underwriters treat it accordingly.
A fact that arrives with an explanation is worked with. The same fact found in the statements is a surprise, and surprises cost you terms.
06Which product fits
Not every sector wants the same instrument.
We arrange four. These are the ones that tend to suit salons and wellness, and why. Which one is right for you is decided on your file, not on your sector.
Rates published
Merchant cash advance
A close fit: frequent card settlement is exactly the pattern this product is priced against.
How it worksQuoted per file
Revenue-based financing
Suits membership-led models and sites with a pronounced seasonal shape.
How it worksQuoted per file
Asset-backed capital
Available where treatment or fitness equipment is substantial and owned outright.
How it worksFind out where your file stands.
The application takes about fifteen minutes and asks for 3–6 months of business bank statements. If something on this page describes your business, say so at the start: it is the difference between a file that is read correctly and one that is read twice.