Beauty & Wellness Business Loans
Every chair that’s empty is revenue you’ll never get back.
Get $5,000–$10,000,000 to add chairs, renovate your salon, hire staff, stock products, and grow your beauty or wellness business, funded in as little as 24 hours.
Simple, fast, and clear
How Beauty & Wellness Business Financing Works
Beauty and wellness businesses face a growth constraint different from most industries: revenue is tied directly to physical capacity. A salon with four chairs can only generate so much per day, no matter how strong demand is. Adding a chair, a treatment room or a second location is the only way to grow meaningfully, and each requires capital before a single new appointment is booked. Booth renters with unpredictable income, slow seasons between holidays, and a product retail component that must be stocked before it sells add to the strain. In practice: you own a salon with five stylists, all fully booked, and clients are waiting two to three weeks for appointments. You have space for two more stations and a stylist ready to start. Equipment, installation and supplies will run about $12,000. Current revenue is strong but cycling back into payroll, rent and product orders. The revenue from two new chairs is real. It is six weeks in the future, on the other side of the build. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how beauty and wellness businesses actually operate. A business term loan is a lump sum for the investments that expand capacity: new stations, a renovation, additional treatment rooms, or the build-out of a new location. Equipment financing acquires salon chairs, washstations, treatment tables and specialty equipment without a large upfront cash outlay. A business line of credit revolves: draw for product inventory and operating costs during slow seasons, repay as revenue comes in, and draw again.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a fully booked salon with a stylist ready to start can still be declined. Banks are not built to underwrite against revenue that is capped by chair count and arrives at the point of service, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Beauty & Wellness Financing for Every Situation
The right financing depends on what your business needs right now.
Adding Chairs, Stations, or Treatment Rooms
When your stylists are fully booked and clients are waiting weeks for appointments, the only way to grow revenue is to add capacity. A business term loan or equipment financing gives you the capital to add stations, build out treatment rooms, or install the equipment your next hire needs, so new revenue starts the day they start.
Renovating or Rebranding Your Space
The physical environment of a salon or spa is part of the product. A dated interior, worn equipment, or an outdated layout sends a signal to clients before a service begins. A business term loan funds a full renovation, covering new flooring, lighting, reception area, color scheme or full redesign, with repayment spread over time rather than pulled from a single month’s bookings.
Acquiring a Salon or Opening a Second Location
Buying an established salon, acquiring a retiring owner’s book of business, or opening a second location are the highest-leverage growth moves in beauty and wellness, and all require significant upfront capital. SBA 7(a) financing or business term loan provides the lump-sum funding to execute your acquisition or expansion without disrupting your current operation.
What Beauty & Wellness Businesses Use Loans For
Beauty and wellness financing is flexible. Here are the most common ways salon and spa owners put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Beauty and wellness businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
What Beauty & Wellness Businesses Are Saying
Real salon and spa owners. Real results.
“Explained everything so I understood and went above and beyond to help me with my business loan. I will contact him for anything in the future.”
$3B+
Funded since 2017
via Trustpilot
Mac was a huge help in the process. I recommend SBG Funding for all of your funding needs!
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He took the time to answer all of my questions, kept me updated throughout the process, and was transparent every step of the way. His customer service and attention to detail really stood out.
85%
Approval rate
via Trustpilot
Nick Chalfen at SBG Funding was fantastic to work with. He took the time to understand my business and worked hard to secure the financing Think Wellness NY deserves. He was responsive, helpful, and made the entire process easy. I truly appreciate his effort and highly recommend Nick and SBG Funding!
A
BBB rating
via Better Business Bureau
She was efficient, transparent and got me exactly what I needed. I compared offers and she indeed got me the best option available.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many salon and spa owners with scores between 500 and 620 have qualified based on strong booking volume and deposit history.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s beauty and wellness business loans are unsecured. You are not required to pledge salon equipment, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
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SBG Funding works with a wide range of beauty and wellness businesses, including hair salons, barbershops, nail salons, day spas, med spas, massage therapy studios, esthetics and skincare studios, lash and brow bars, blow dry bars, and multi-service wellness centers. As long as your business meets the basic requirements of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your specific service type does not affect eligibility.
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Yes. Adding styling stations, treatment rooms, or washstations is one of the most common uses of salon business financing. A business term loan or equipment financing provides the capital to expand your capacity, so you can start booking new appointments the moment the build is complete rather than waiting months for retained earnings to cover the cost.
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Yes. Equipment financing is well-suited for salon chairs, styling stations, washstations, treatment tables, massage equipment, skincare devices, and laser or light-based treatment systems. Equipment financing typically provides longer repayment terms for larger purchases and uses the equipment itself as collateral.
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Yes. SBG Funding offers SBA 7(a) financing, which is well-suited for salon and spa acquisitions, partner buyouts, and larger build-outs. SBA financing provide larger amounts and longer repayment terms than conventional business loans. Qualification requirements are more stringent, contact our team to discuss whether SBA is the right fit for your situation and timeline.
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Yes. SBG Funding evaluates your full annual revenue history, not just any single month. Salons and spas with seasonal booking patterns, slower in January and February and busy around holidays and prom season, are a familiar profile. We look at annual deposit consistency and total revenue rather than whether your slowest month looks strong in isolation.
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Yes. There’s always a ramp period when a new stylist or service provider joins your team, their chair isn’t fully booked on day one. Business financing covers payroll during that ramp period so you can bring on the staff you need to grow without waiting for their book to build before you can afford them.
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Ready to Grow Your Beauty Business?
Whether you need to add chairs to serve a waitlist of clients, renovate your salon, hire a new stylist, or acquire an established location, SBG Funding has beauty and wellness financing options built for how salons and spas actually operate. Apply online in minutes. No collateral, no hard credit pull, no obligation.