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.
Helpful next steps for salons & beauty businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
Specialist equipment finance
Explore funding options for treatment equipment, fixtures and business assets.
ExploreDental equipment finance
Read an adjacent specialist-equipment funding page for clinical-grade assets.
ExploreFinance lease
Understand a potential structure for using specialist equipment over an agreed term.
ExploreMonthly-cost calculator
Model indicative payment scenarios for a proposed studio or equipment upgrade.
ExploreSpecialist equipment case study
See a real treatment-equipment funding case from a clinical setting.
ExploreMedical equipment guide
Read planning points for finance involving specialist clinical equipment.
ExploreQuestions 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?
Tell us about your asset and business circumstances to discuss suitable funding options. Read our commission disclosure.
Sector hub
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