Finance for the chair and the whole studio.
Single-chair upgrades to full multi-room launches — treatment beds, lasers, IPL, hair stations, EPOS and the fit-out around them.
£12m+
Funded into UK salons
60mo
Typical aesthetic device term
0%
Deposit on prime kit
9 days
Average kit-out turnaround
If it earns its keep, we've probably funded one.
Aesthetic devices
IPL, diode hair removal, fractional CO2, HIFU, picosecond, body contouring. Lynton, Cynosure, Cutera, Candela.
Treatment furniture
Beds, chairs, trolleys, stools, hair stations, backwashes. From single units to full salon refits.
Skincare & devices
HydraFacial, microneedling, dermaplaning, LED masks, ultrasound. Soft-asset specialists fund them all.
EPOS & booking
Treatwell, Phorest, Fresha, Timely, Square — funded with hardware, terminals and chip-and-pin.
Fit-out & build
Decor, lighting, signage, partitioning, plumbing — bundled with the kit so you have one direct debit.
Mobility & vehicles
Branded mobile-beauty vans and treatment trailers funded for franchise and home-visit operators.
How salons & beauty deals usually structure.
Typical ticket
£8k – £80k per fit-out
Range we fund
£5k IPL upgrade → £250k spa launch
Term
24 – 60 months
Deposit
0 – 15%
Structure
HP for owned-asset write-off; lease where landlord owns fixtures; refinance ahead of second-site openings.
The usual pain.
First-year accounts won't help you
Most banks need two years of filed accounts. We use beauty-specialist lenders who weight on diary fill, treatment ARPU and director experience.
Soft assets confuse mainstream credit
Furniture, lighting and signage depreciate fast — generic lenders panic. Sector-specialists fund the whole fit-out.
Aesthetics kit is regulator-watched
JCCP, Save Face and CQC requirements scare off generalist funders. Our clinical-aesthetic lenders understand the framework.
How we structure it.
Salon & spa specialists
Three of our lenders fund nothing but beauty, aesthetics and wellness. Sharper rates, faster credit, no soft-asset cap.
Self-employed friendly
We can fund chair-renters, mobile therapists and freelance aestheticians on the strength of bookings and personal credit.
Multi-site rollups
Programmatic facilities for groups opening 2–5 sites a year, with pre-approved budgets per location.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for salons & beauty
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions salons & beauty customers ask.
Can a brand-new salon get finance?
Yes. Sector-specialist lenders will underwrite businesses with under 12 months trading on the strength of director experience, signed lease, fit-out plan and bookings projections. Higher deposit (15–20%) is normal at start-up stage.
Can self-employed therapists apply?
Yes — chair-renters, mobile therapists and freelance aestheticians can be funded on personal credit and treatment income. Personal guarantee usually required.
Will lenders fund used aesthetic kit?
On the right brand and with a credible service history, yes. We've funded refurbished IPL, laser and HIFU systems from approved refurbishers with engineer's reports.
Are seasonal payment plans available?
Yes — common for tourist-area spas and seasonal venues. Lower payments off-season, full payments in peak months.
Ready to fund the next bit of salons & beauty kit?
Soft search. 24-hour decisions. No broker fees, ever.
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