Industries
Business Funding for Salons, Gyms & Wellness
Buildouts, equipment, and member-growth marketing — for revenue that recurs month after month.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why salon, gym, and wellness businesses call us
A second studio while the first still carries debt
Location one is profitable and still paying off its equipment. A term loan funds the second buildout on its own schedule instead of starving the location that's working.
Cardio equipment failing mid-membership
Broken treadmills are the fastest route to cancellations. Equipment financing replaces the floor before churn does the damage, spread over the membership months it protects.
Funding a January push in November
The best month of the year has to be bought in advance — ads, staffing, and promotional inventory — during the weeks when cash is thinnest. Short-term capital covers the run-up and comes back out of the sign-ups.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months open under current ownership
- Roughly $10,000+ per month in membership or service deposits
- A business bank account receiving the recurring billing
- Membership or recurring-billing reports — helpful, not always required
- A lease or landlord consent if a buildout is involved
- An equipment quote or invoice for equipment financing
How Lenders Read It
Recurring membership billing is one of the cleanest revenue patterns in this entire list. Steady, predictable monthly deposits frequently underwrite better than a higher but erratic volume — which means a modest studio with consistent dues can see better terms than a bigger business with lumpier cash.
See the full processFAQ
Questions from salon, gym, and wellness owners
I run a booth-rental salon. Does chair rent count as revenue?
It can, if it lands in the business account consistently and is documented. Rent-based models look different from service-revenue models to underwriting, so say up front how your salon is structured.
I'm a franchise gym operator. Does that change anything?
It adds a step. Franchisors often require approval for new debt or maintain a preferred-lender list, and that shapes which lenders can fund you. Mention the brand at application so it's handled early rather than at signing.
Can I fund equipment and the buildout together?
Typically as two coordinated products — equipment financing for the hardware, a term loan or working capital for construction and soft costs. Your advisor can run them in parallel so the project has one timeline.
More questions? Read the full FAQ
Funding for your salon, gym, and wellness business.
One application, real offers to compare, and no fee unless your business is funded.