Finance lease · Beauty and salons
Finance lease for beauty and salons
Beauty and salon finance is lending for hair, beauty and cosmetic clinics, funding treatment equipment such as aesthetic lasers, salon fit-outs, retail stock and the working capital around seasonal trade.
How a finance lease works for beauty and salons
Technology in aesthetics moves quickly, and a device that is competitive today may look dated in four years as newer platforms arrive. A finance lease keeps payments fully deductible and leaves you the choice at the end: pay the residual and keep the machine, or hand it back and take the current generation. For salons competing on offering the latest treatments, that flexibility is often worth more than the ownership a chattel mortgage would give.
The cash-flow pattern we plan around
Appointment-based income paid at service, peaking sharply in November and December and dipping in late January and February.
What beauty and salons typically fund
- Aesthetic lasers, IPL and skin treatment devices
- Salon fit-out, chairs, basins and mirrors
- Treatment beds and sterilisation equipment
- Retail product stock
- Booking, POS and marketing systems
Finance lease for beauty and salons: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| Documents beauty and salons usually need | ABN and lease for the premises · 6 months of bank statements and merchant statements · Equipment or fit-out quote from the supplier |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Salon equipment finance
Salon equipment finance is secured lending for hair and beauty equipment — styling chairs, basins, treatment beds, sterilisers and aesthetic devices — typically written over two to five years against the equipment.
Aesthetic device payback
Aesthetic device payback is the number of treatments required for a laser or IPL machine to cover its finance repayment, used to test whether a device purchase is supported by realistic client demand.
What is a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.