Fast
Online application in 5 minutes. Funds deposited the next business day on most products.
Beauty & Wellness Funding
Beauty And Wellness Business Funding Beauty & Wellness Funding for Salons, Spas & Studios
Fast, flexible, responsible beauty and wellness business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed salons, spas, medspas, and wellness studios across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Salon & Spa Owners Choose Coast for Beauty And Wellness Business Funding
Beauty and wellness businesses face funding challenges traditional banks aren't built to solve: high-cost laser and medspa equipment, seasonal swings, commission-stylist payroll, and capital-intensive build-outs. Our team has been financing the industry since 2014 and approves beauty business loans based on real-world card sales — not just credit scores.
Flexible
Six funding products built for beauty and wellness — from $5K marketing bridges to $5M laser equipment financing.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Beauty & Wellness Funding Options
Whether you need short-term salon working capital, equipment financing for a new laser or hydrafacial device, or capital to acquire a second location, we have a program built for it.
Equipment Financing
Beauty & Wellness Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance salon chairs, shampoo bowls, medspa lasers (Cynosure, Candela), hydrafacial, CoolSculpting, IPL, infrared sauna, and cryotherapy with fixed monthly payments.
Explore equipment financing →
Working Capital
Salon & Spa Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to bridge slow seasons, cover stylist and esthetician payroll, restock retail product, or fund a marketing push. Approval driven by recent card sales, not just credit.
Explore working capital →
Line of Credit
Beauty Business Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for recurring product orders and seasonal slow months.
Explore lines of credit →
Build-Out Term Loan
Salon & Spa Build-Out Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for build-outs, remodels, second-location openings, and salon-suite conversions. Predictable monthly payments while you ramp the new space.
Explore term loans →
Receivables Financing
Receivables Financing
$10,000 – $1,000,000 · Sales-based
Turn future card sales and package billings into today's cash. Sales-based repayment that ebbs and flows with your booking volume — ideal for medspas with package programs.
Explore receivables financing →
Acquisition
Salon & Spa Acquisition Loan
$50,000 – $5,000,000 · Up to 10 years
Capital to buy an existing salon, spa, or medspa, often combined with a marketing budget and working capital for the relaunch. Funding tied to acquired revenue.
Explore acquisition financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 5 years | Laser, hydrafacial, sauna, salon chairs |
| Working Capital | $5K – $2M | 3 – 24 months | Slow seasons, payroll, retail product |
| Business Line of Credit | $10K – $500K | Revolving | Recurring product orders, monthly rates from 2.99% |
| Build-Out Term Loan | $10K – $1M | Up to 5 years | Build-outs, suite conversion, second location |
| Acquisition Loan | $50K – $5M | Up to 10 years | Buy a salon, spa, or medspa |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Beauty & Wellness Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your beauty business cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most beauty and wellness programs
Beauty & Wellness Qualifications
Approved by Card Sales — Not Just Credit
We approve based on card-sales performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- Active state cosmetology, esthetician, or medspa license (as applicable)
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Daily card-sales trends and average ticket
- Service mix (hair, lash, brow, laser, injectables, massage)
- Booking software volume and package liability (if applicable)
- Time in business and ownership structure
Common Use Cases
What Beauty & Wellness Owners Use Coast Funding For
From adding a new laser to opening a second medspa, our beauty and wellness clients deploy capital in four recurring patterns.
Equipment & Lasers
Salon/Spa Build-Out
Hire Stylists & Therapists
Marketing & New Clients
Frequently Asked Questions
Beauty & Wellness Funding FAQ
The 10 questions salon, spa, and wellness owners ask us most.
How long does the beauty and wellness funding application take?
The Coast Funding application takes about 5 minutes to complete online. You provide basic business details and 4 months of bank statements (or link via Plaid) for underwriting review.
Can I finance laser, hydrafacial, CoolSculpting, or IPL equipment?
Yes. Coast Funding equipment financing covers medspa laser devices (Cynosure, Candela, Sciton, BTL), hydrafacial, CoolSculpting, IPL, RF microneedling, infrared sauna, and cryotherapy chambers — from $10,000 to $5,000,000 with fixed monthly payments.
How much beauty business funding can I qualify for?
Most salons and spas qualify between $10,000 and $500,000 based on monthly card sales. Established medspas and wellness studios with strong financials can qualify for up to $5 million via equipment financing or acquisition loans.
Can I expand into salon suites or a medspa concept?
Yes. We fund salon-suite build-outs, medspa expansions, and conversions from commission salons to suite-rental models — including the build-out, equipment, and working capital for the transition months.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Can I get working capital for slow seasons or hiring stylists?
Yes. Beauty and wellness businesses are highly seasonal — we structure working capital and lines of credit specifically to bridge slow months and fund commission stylists, estheticians, and massage therapists as you scale.
Do I have to take the full amount I'm approved for?
No. Upon approval you can take up to the approved amount. If you're approved for $150,000 but only need $75,000 for a new laser device, you only draw what you need.
Can you fund a wellness studio, recovery lounge, or sauna business?
Yes. We fund pilates, yoga, infrared sauna, cryotherapy, IV drip, recovery, and float studios. Equipment financing for chambers and pods plus working capital for the membership-build-out phase.
Can I use Coast Funding to buy an existing salon, spa, or medspa?
Yes. Acquisition financing is one of our most common beauty and wellness use cases. We can fund the purchase of an existing salon, spa, medspa, or wellness studio, often combined with working capital and a marketing budget for the relaunch.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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