Equipment is usually the largest single purchase salons and med spas make, and financing it against the asset generally prices below unsecured working capital.
What gets financed
Additional styling stations or chairs
Laser, IPL and body-contouring devices
Treatment room build-out
Retail product inventory
Booth-rental to employment transitions
Hiring and training ahead of demand
Equipment finance or working capital?
Buying the asset itselfEquipment financing. Secured by the equipment, so it usually prices below unsecured funding and leaves your working capital free.
Uneven or recurring needA line of credit. Sits unused until you need it, and you only pay for what you draw.
A defined one-off purchaseA term loan. Fixed amount, fixed schedule, 0% origination and 50% off remaining interest on a full early payoff.
Already carrying an advanceA refinance or buyout. Balances of $100,000 or less can often be bought out.
Beauty businesses live on chair time and treatment capacity. A new station or device raises the ceiling on what the space can earn, but the device is bought before a single appointment is booked against it.
Matching the term to the asset
The most common mistake is a term that outlives the equipment or a payment that lands before the equipment earns. Financing styling stations, laser and IPL devices, treatment beds and retail fixtures over a term roughly matched to its working life keeps the payment covered by what the asset produces.
Common questions
Can salons and med spas finance equipment with bad credit?
Revenue-based funding starts at a 600 credit score and 6 months in business, a 600 FICO. Equipment secured by the asset is often more forgiving than unsecured funding.
Is equipment financing cheaper than a loan?
Generally yes, because the lender has the asset behind it. It is usually slower, since the equipment has to be valued.
What equipment qualifies?
For salons and med spas: styling stations, laser and IPL devices, treatment beds and retail fixtures.
How fast is funding?
Same-day decision and next-business-day funding on a complete file.