business line of credit for beauty & wellness
Business Line of Credit for Beauty & Wellness businesses. Built for beauty & wellness cash flow.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Is Line of Credit the right fit for Beauty & Wellness businesses?
Revolving access for inventory replenishment and seasonal staffing pushes.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in beauty & wellness. Business Line of Credit 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 business line of credit 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
Business Line of Credit 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.
QHow is interest calculated?
Interest is charged only on the amount you draw, not your total credit line. Rates are typically 1–3% per month on the outstanding balance.
QCan I increase my credit line?
Yes. After 6 months of on-time payments, you can request a credit line increase based on updated revenue.
QIs there a draw charge?
No draw charges. You access your funds at any time through a direct transfer to your business account.
Business Line of Credit 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.