Finance for beauty and wellbeing businesses
Treatment equipment can transform what a salon or clinic is able to charge — but much of it is soft asset lending, and that changes the conversation.
Request a callback- Commonly funded
- Treatment kit, fit-out
- Typical facilities
- Asset finance, MCA
- Lender focus
- Card income and qualifications
This page describes what businesses in this sector typically fund and what lenders generally look for. It is not a recommendation, and what is available to you depends on your own circumstances.
About beauty & wellbeing
A single piece of treatment equipment can change the economics of a salon or clinic, opening up services at price points the business could not previously reach. That makes the return on funding unusually easy to demonstrate — often the equipment pays for itself in a defined number of treatments per month.
The complication is that much of the sector's kit is soft: chairs, couches, salon furniture and fit-out have little resale value, so funders lean on trading performance instead. Higher-value clinical equipment such as laser and IPL systems is a different case, with real second-hand demand behind it.
What gets funded
- Laser, IPL and other advanced treatment systems.
- Treatment couches, salon chairs, backwashes and styling stations.
- Aesthetic and dermatology equipment for clinics.
- Full salon fit-out, flooring, mirrors, lighting and reception.
- Booking systems, payment terminals and client management software.
- Stock of retail products and professional consumables.
What lenders assess
- Card takings, which are usually the clearest evidence of how the business trades.
- Qualifications and insurance for the treatments being offered, particularly clinical ones.
- Whether staff are employed or renting chairs, since it changes the revenue picture.
- Lease length and rent against turnover.
- A credible calculation of how quickly new equipment pays for itself.
Frequently asked
Can I fund equipment for a chair-rental salon?
Yes, though the assessment differs. Rental income is more predictable than treatment income but usually lower, so funders will look at occupancy of the chairs and how long stylists typically stay rather than at treatment takings.
Is laser equipment easier to fund than furniture?
Generally yes, because it has a genuine resale market behind it. Salon furniture and fit-out are soft assets assessed against your trading position, which usually means a shorter term and a higher rate.
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Tell us what your business does
We will tell you which funders lend into your industry, and roughly what they are likely to say.
