Business line of credit · Beauty and salons
Business line of credit 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 business line of credit works for beauty and salons
A modest revolving limit suits the rhythm of a salon: draw for a pre-Christmas retail stock buy or a marketing push, repay through the December trade, and hold the headroom through the quiet start to the year. Interest applies only to what you draw. For owners renting chairs or rooms to contractors, it also smooths the months when a room sits empty between tenants while the head lease payment continues regardless.
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
Business line of credit for beauty and salons: the numbers
| Typical amounts | $10,000 – $500,000 |
|---|---|
| Term | 6–24 months |
| Indicative rates | 11.5% – 24% p.a. |
| Repayments | Weekly or monthly minimums on the drawn balance |
| 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 business line of credit?
A business line of credit is a revolving facility with a pre-approved limit. You borrow only what you need, pay interest only on the drawn balance and can redraw repaid funds without reapplying.
Line of credit vs business loan
A business loan pays a lump sum repaid on a fixed schedule; a line of credit is a flexible limit drawn as needed. Loans suit one-off purchases, lines of credit suit fluctuating working-capital needs.