Beauty Salons and Spas

Beauty salons are becoming more sophisticated. And so are their interiors and equipment costs to service an ever-growing and diverse client base. Salons are becoming more like day spas in order to raise margins and provide a one-stop self-care experience for their clients. This means adding in new equipment such as massage tables, spa chairs, tanning booths, showers, and even hot tubs. And that doesn’t begin to cover the expensive skin care lotions and creams, or the maintenance of the equipment, towels and laundry, and scrupulous cleaning needed to keep the facilities looking pristine, beautiful, and welcoming.  

As a business owner, you are aware of how crucial it is for your business to have ample cash on hand. This is especially true when owning a business in the beauty industry. Payroll must be met, supplies need to be purchased, and equipment must be maintained in good working order; all of which requires positive cash flow. Our simple funding process will allow you to get the money you need in as little as three days!

Beauty companies Upstream have worked with include:

  • Beauty Salons
  • Nail Salons
  • Barbershops
  • Health Spas
  • Online Beauty Products

The salon business is one of the most competitive retail industries in the country and obtaining beauty salon financing should not be as competitive. Many business owners who were able to secure a bank loan for beauty salons just a year ago, are unable to secure a salon bank loan. These businesses are taking advantage of alternative financing options for beauty salons, such as cash advances for salons. Although this program provides cash, it is not an unsecured business loan for salons, but a cash advance for salons which has many advantages over unsecured business loans.

Alternative financing programs for beauty salons, specifically cash advances for salons provide up-front cash in exchange for a small portion of future credit card receivables. This type of cash advance program allows salon owners to maintain a healthy cash flow to regularly stock inventory, purchase business equipment, and hire and train additional employees.

Salon Loan Alternative for Merchants

If your salon processes at least $3,000/month in credit card sales, you qualify for cash in the form of a business cash advance for salons. The total amount you repay stays fixed no matter of the duration used to pay the balance in full.

Upstream is here to help you find the exact financing solution to fit your needs. Our dedicated Business Advisors are with you at every step, making the process fast and easy. Here are just a few benefits of working with us:

Flexible Repayments

Repayments are based on a percentage of daily credit card sales, so we only make money when you make money

Fast Approval

Apply online or over the phone in minutes, get approved in a few hours and access funds in as fast as one day!

Financing Now

Get up to 250% of your monthly credit card sales volume in one lump sum to take care of the things you need for your business.

Apply Now!

Need Funding for your Beauty Salon Business?

Get flexible, fast funding solutions to meet your needs, including:

Purchase Equipment
Hire Skilled Professionals
Inventory Purchase

Get funded in 3 Easy Steps

In just three easy steps, you can access the right financing solution for your business. Our application and approval process will allow you enough time, effort and energy to focus on what matters to you the most- your business!


Complete the form

Click here to request a free quote, and an Account Executive will contact you shortly after to discuss your options.


Get approved in 24 hours

Our streamlined application process allows us to provide you with a decision within 24 hours


Receive funds in 3 days!

Once approved, it’s an easy transition. You can expect the funds to be deposited into your account in just 3 days!


Avoid the brokers and “middlemen” fees:

You won’t have to worry about extra expenses. You can put your resources towards the most important initiatives for your business.

Avoid having your credit run multiple times:

No matter what your credit score, we offer cash advances with just a single credit run.

Build a real relationship:

Work directly with a dedicated Funding Manager that will help you design a creative and customized plan based on your business needs.

Almost all business types and industries are accepted:

There is virtually no limit to the type of business we work with.

No collateral or personal guarantee required:

You can get the funding you need without the worry of placing your personal property or assets at risk.

Near instant approval:

With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

What do you need to Qualify

3+ months in business

$10,000/ Month Gross Sales

Completed Application

Apply Now!

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