equipment financing for beauty & wellness
Equipment Financing for Beauty & Wellness businesses. Built for beauty & wellness cash flow.
Finance the trucks, machines, refrigeration, diagnostic gear, or production equipment your business runs on. The equipment itself serves as collateral, which unlocks longer terms and lower rates than unsecured working capital.
- Max funding
- $1M
- Term
- 2–7 years
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Equipment the right fit for Beauty & Wellness businesses?
Finance laser hair removal, microdermabrasion, LED therapy, and spa equipment.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in beauty & wellness. Equipment Financing maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Build-Out Costs
Chairs, stations, plumbing, and lighting for a new salon or spa location can exceed $100K. Traditional banks rarely fund cosmetology build-outs without collateral.
Booth-Rent Staffing Model
Commission-vs.-booth-rent transitions can briefly invert your cash flow. Revenue-based funding smooths the transition without layoffs.
Inventory for Retail Product Lines
Professional haircare, skincare, and product retail lines require upfront wholesale buys. Working capital bridges between the order and the sell-through.
Representative scenario
What a typical beauty & wellness equipment financing looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Qualification
What we look for in beauty & wellness files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed salon, spa, or wellness business
- $15,000+ monthly revenue
- 500+ personal credit score
- Valid state cosmetology / esthetician / massage-therapy license as applicable
Other ICG products for beauty & wellness
Not the right fit? Here is what else works in your industry.
Common questions
Equipment Financing for beauty & wellness. Honest answers, no fine print games.
QDo you fund solo-operator booth renters?
Solo operators with their own EIN, business bank account, and 6+ months of deposits can qualify under the same guidelines as salon owners.
QWhat counts as revenue, service only or retail too?
Both. Retail product sales count as business revenue alongside services. Show them together in your deposit history.
QCan I finance a new laser hair removal machine?
Yes. IPL, diode, and Nd:YAG systems are routinely financed against the equipment with standard medical-device terms.
QDo I have to buy the equipment from a specific dealer?
No. ICG finances equipment from any reputable dealer, auction, or private seller with a documented invoice or appraisal. New and used equipment both qualify.
QIs a down payment required?
Typically 0–20% down, depending on the equipment type, age, and your credit profile. Many applicants qualify for $0-down financing on new equipment.
QCan I finance used equipment?
Yes. Used equipment under 10 years old with documented hours or mileage is routinely approved. An appraisal may be required for specialty items.
Equipment Financing for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your beauty & wellness business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.