Merchant Fund Express
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Equipment Financing for Salon Upgrades

Finance chairs, dryers, shampoo bowls, and treatment devices without draining your cash. FICO 500+ considered, no tax returns, soft pull to start.

Finance My Equipment

Salon Equipment Financing

New gear now, cash flow intact

Salon equipment is what turns bookings into revenue. Financing lets you add stations or services while keeping cash free for payroll and product.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Salon equipment financing that moves quickly

Fast, simple application

About five minutes and three months of statements. Qualified salons can be funded in as little as 24 hours.

Credit flexibility

FICO 500 and up considered, alongside your salon's deposit history.

Clear total cost

The full repayment amount is in your offer before you accept. No surprise costs after signing.

Schedule set in advance

Your offer spells out the repayment schedule so you can match it to the new revenue.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment that keeps the chairs earning

Every salon runs on its equipment. Hydraulic chairs, hooded dryers, shampoo backwash units, color processors, and for some shops laser or skin treatment devices. When something wears out or you want to add a service, buying outright can drain the cash you need for payroll and product. Equipment financing spreads the cost so your salon can get the tools working now.

What salon owners finance

EquipmentWhy it matters
Styling chairs and stationsRoom for a new stylist or renter
Shampoo bowls and backwash unitsFaster turnover between clients
Dryers and processorsShorter color and treatment times
Treatment devicesAdding higher-ticket services
Point-of-sale and booking hardwareSmoother check-in and checkout

Repair or replace?

Sometimes a quick fix is enough. If a single unit just needs parts or service, our equipment repair funding page may fit better. When the equipment is near the end of its life or you are expanding services, financing new gear usually makes more sense than repeated repairs. If you are outfitting a new location, think about the full buildout, not just one piece.

How to get started

The 5-minute application begins with a soft credit pull. Send about three months of business bank statements; no tax returns are needed. We consider FICO scores of 500 and up, and sole proprietors can apply. Having a vendor quote handy helps us understand what you plan to buy. Qualified salons can be funded in as little as 24 hours, and your offer shows the total repayment amount and schedule before you accept.

Equipment financing vs other salon funding

Equipment financing is tied to a specific purchase. If you need cash for a mix of costs, like a small remodel plus product plus marketing, working capital or a merchant cash advance may be simpler. Many owners use equipment financing for the big-ticket items and keep their cash for everything else.

Tie the purchase to revenue

The strongest equipment requests have a clear story. A new chair means a new stylist and more bookings. A treatment device adds a service clients already ask for. For illustration, a salon adding a third shampoo station might plan around faster turnover on busy Saturdays. Thinking through how the equipment pays for itself helps you choose an amount you can carry comfortably alongside existing obligations.

Frequently Asked Questions

What salon equipment can I finance?

Common purchases include styling chairs, stations, shampoo bowls, dryers, color processors, treatment devices, and point-of-sale hardware.

How much equipment financing can a salon get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

What do I need to apply?

A 5-minute application and roughly three months of business bank statements. A vendor quote is helpful. No tax returns are required.

Is lower credit a problem?

We consider FICO scores of 500 and up and look closely at your salon's deposit history.

Will I see the full cost upfront?

Yes. Your offer lists the total repayment amount and repayment schedule before you accept.

Styling stations $36,000.00
Shampoo units $27,000.00
Laser device $95,000.00
Dryers $25,000.00

Example uses for illustration only.

How to improve your chances

Preparing a few items can make salon equipment requests smoother.

  • Get a written quote from your equipment vendor
  • Estimate the revenue the new equipment adds
  • Keep salon deposits in one business account
  • Note any existing financing in your application

Equipment financing with us vs a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
First credit check
Soft pull
Hard pull is common
Application
About 5 minutes
Longer review
Speed
As little as 24 hours if qualified
Several weeks typical

Upgrade your salon equipment

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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