01
Practitioner capacity
Test whether a new chair, room or device has enough booked demand to cover its finance and staffing cost.
Beauty & Salons
Capital for salons, spas and clinics.
Funding for hair, beauty, aesthetic clinics and wellness operators. Built for the appointment-led cash flow, the stock and supplier deposits, the next-chair hire.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Use the appointment book as a planning tool
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Treatment economics
Consider consumables, refunds and practitioner commission, not only the advertised treatment price.
03
Device payback
Match the finance term to realistic monthly utilisation and the equipment's useful commercial life.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Booking and cancellation report
- Card and bank statements
- Device or fit-out quotation
- Treatment margin and staffing plan
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01How many extra appointments create break-even?
- 02Is training or downtime included?
- 03Does the repayment flex if bookings soften?
Salon and clinic cash flow is built on appointments, retail attachment and supplier credit. Capital should be assessed against bookings, card receipts, treatment margins and the realistic payback period.
We work with independent salons, clinic groups and multi-site operators across the UK. Underwriting reads card settlement, booking system data and forward retention.
Typical use cases
- Salon refit, chairs, mirrors and lighting
- Aesthetic equipment, laser and devices
- Stock build and supplier deposits
- Opening a second site or chair rental floor
- Marketing, paid social and treatment launch
- Hiring and training stylists or practitioners
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide7 min read
Business expansion loans for growing UK SMEs: sizing, structure and speed
A practical guide to funding UK business expansion: choosing the right structure for the growth thesis, sizing the facility, and getting through underwriting cleanly.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to beauty & salons
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund single-chair salons?
Yes, provided trading history and card settlement support the facility size requested.
Can equipment purchases be funded?
Yes. Aesthetic devices, laser, salon furniture and tech stack are common uses of our term and unsecured facilities.
What about clinic groups with multiple sites?
We work across multi-site groups; facilities can be structured at the operating company level.
Can funds bridge a quiet season?
Yes. Revenue based financing eases service in quieter months, ideal for seasonal trade.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility