Salon, Spa & Gym Financing — Build-Out, Equipment and Membership Cycles

High fixed rent, seasonal memberships, and equipment that must look new to justify the price you charge.

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What owners in this industry finance

Build-out, chairs, beds and cardio equipment
January and September membership pushes
Slow-summer or slow-winter payroll
Second location

What we would tell you

Recurring membership revenue underwrites well. Get the line in place in your strong season, not your weak one — approvals are driven by trailing deposits.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Startup Funding

No revenue history required

Fast (hours in underwriting) 650+ FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Salons, Spas & Fitness funding questions

What is the best financing option for salons, spas & fitness?

It depends on what the money is for. Recurring membership revenue underwrites well. Get the line in place in your strong season, not your weak one — approvals are driven by trailing deposits.

Can I get funded for my salons, spas & fitne business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for salons, spas & fitness

One application, shopped across 14 programs, no fee to you.

Get Pre-Qualified See funding options

Checking your options does not affect your business credit. A soft review only.