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.
Industries · Beauty & Wellness
Salon, Spa & Wellness Business Loans. Build the chair. Stock the shelf. Grow the brand.
Build-outs, equipment, inventory, staffing. Revenue-based funding for salons, spas, and wellness businesses. 500+ FICO accepted.
At a glance
What funding is available for salons, spas, and wellness businesses?
Build-outs, equipment, inventory, staffing. Revenue-based funding for salons, spas, and wellness businesses. 500+ FICO accepted.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund beauty & wellness
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against beauty & wellness every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of beauty & wellness bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in beauty & wellness.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
Eligibility for beauty & wellness
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a licensed salon, spa, or wellness business
- 02
$15,000+ monthly revenue
- 03
500+ personal credit score
- 04
Valid state cosmetology / esthetician / massage-therapy license as applicable
Get funded in your city
Beauty & Wellness funding near you.
- Brooklyn →
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Questions, answered
Real questions from beauty & wellness operators answered straight.
Do 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.
What 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.
Can 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.
Ready when you are
Get beauty & wellness funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.