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Business Loans for Beauty & Cosmetics Industry

Borrow
 from
£10,000
 to
£5m.
  • Rates from
    7%
  • £0 Deposit
  • Same Day Finance Available
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Over the past few years, people have become more aware of the importance of self-care, investing more time and money into their health & well-being.

This has resulted in the growth of the hair, beauty, and well-being sector, with more business owners experiencing the need to invest in their brand, products, and services to attract and build a reliable customer base.

Finance Calculator

 

Please note this is not a quotation for finance, this is for illustrative purposes only. The figures are available to UK incorporated businesses only. The value provided is intended as a guide only. For an accurate quotation please contact us.

This is where Union Business Finance can help. We can provide you with access to a range of flexible finance options that are suitable for your needs, helping you to stay competitive in a busy industry. Our years of experience working alongside beauty salons & cosmetic companies like yours, coupled with our panel of over 100+ lenders, make us the perfect partner to assist you in reaching your goals!

Equipment & Asset Finance

From replacing old equipment to fitting out a new salon, our asset and equipment finance is here to help you grow. Here are some examples of how we can help.
A man receives a haircut from a barber in a well-lit barber shop, surrounded by various hair products and tools.

Hairdressers & Barbers

  • Styling chairs and wash stations
  • Professional hairdryers, clippers, and scissors
  • Salon décor, lighting, and reception furniture
  • Point-of-sale and appointment-booking software
A woman wearing blue glasses and a red glove is having her teeth cleaned at a dental office.

Teeth Whitening Clinics

  • LED whitening lights and laser treatment units
  • Ergonomic dental chairs and patient couches
  • Branded disposables and care-pack kits
  • Clinic management and digital record-keeping software
A woman wearing blue glasses and a red glove is having her teeth cleaned at a dental office.

Nail Salons

  • UV/LED nail curing lamps and drill machines
  • Deluxe manicure/pedicure chairs and footbaths
  • High-quality nail polishes, gels, and tools
  • Salon furniture, décor upgrades, and air filtration systems
A woman wearing a swimsuit reclines on a tanning bed, basking in the warm light of a tanning salon.

Tanning Salons

  • High-pressure or hybrid tanning beds and booths
  • Ventilation and air-conditioning upgrades
  • Premium tanning lotions, oils, and aftercare products
  • Reception counters and retail display units
A woman lies on a treatment table while receiving a leg waxing service at a beauty salon.

Waxing Specialists

  • Professional hot-wax heaters and applicators
  • Adjustable treatment couches and stools
  • Disposable rollers, strips, and soothing aftercare gels
  • Storage cabinets and treatment-room lighting
A man receiving a relaxing massage in a serene spa environment.

Massage Parlours

  • Electric or hydraulic massage tables
  • Ambient sound systems and essential-oil diffusers
  • Linen, towels, and disposable covers
  • Spa-grade furniture and lighting controls
    Explore Asset Finance

    Our Beauty Practice Finance Options

    Cash Flow Loans

    Cash flow loans can be tailored to help you manage the seasonal demands that affect the beauty and cosmetics industry. For example, we know that January often sees a drop in business footfall after the business of Christmas, meaning your revenue is reduced. We work with you to find the right choice of loan for your business, considering all factors so that you never repay more than you need to.

    From quick business loans for those who need a quick injection of cash to short-term loans, which typically last up to 3 years, we’ve got you covered.

    Explore Business Cash Flow Loans

    Fit-Out Finance

    The experience of clients is imperative in the beauty and cosmetics industry, and this often starts with the quality of your premises. From waiting areas to treatment rooms, many spaces within each salon or clinic could benefit from a fresh makeover.

    Our fit-out finance for beauty salons and cosmetic practices can modernise your workplace, providing you with the vital funds to freshen up the spaces which your clients use the most. With rates as low as 7% and funding up to £5m, Union Business Finance is committed to supporting your business’s fit-out needs.

    Explore Fit-Out Finance

    Acquisition & Franchise Finance

    Acquiring an additional business or buying a franchise within the beauty industry can be a great tactic to outperform your competitors and cater for a larger number of clients. However, even the strongest of acquisition strategies cannot be put in place without the right funds.

    Through Union Business Finance, you can manage the purchase of a franchise or existing business without overstretching your finances, allowing you to drive strategic growth and expand your business.

    Explore Acquisition Finance

    Benefits of Our Beauty & Cosmetic Practice Finance

    Our tailored finance solutions for beauty-based businesses can help you to:

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      Manage cash flow to fuel key business investments.
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      Grow your offerings or revamp your space with little to no upfront capital.
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      Stay ahead of seasonal highs and handle quieter months.
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      Drive decisions with financial insights to spot new growth avenues.
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      Channel resources strategically into marketing, training, and upkeep.

    Financial Education for Beauty Professionals

    At Union Business Finance, we’re happy to go beyond simply securing your funds - we partner with you to build a solid financial roadmap for your salon’s future. Our financial experts will work alongside you to develop detailed cash-flow forecasts, identify potential funding gaps, and model growth scenarios so you can scale with confidence.

    From planning new equipment upgrades to budgeting for staff expansion, we’re happy to provide the insights and support you need to keep your books balanced and your ambitions on track.

    How it works

    Step 1 Consulting

    Consulting

    Let’s talk about where your business is, and where you want it to be.
    Step 2 Pre-underwriting

    Pre-underwriting

    Send us your supporting financials for us to review, and we’ll get a proposal sent for credit approval.
    Step 3 Paying Out Funds

    Paying Out Funds

    72 hours later, once approved, and signed on the dotted line, funds will be released.

    Eligibility Requirements

    Your eligibility relies on the type of beauty salon finance you choose and your practice’s structure. We look for the following:
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      At Least Two Years Trading History From an Established Company

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      Profitable Accounts

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      Homeowner or Tenant

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      Good Business / Personal Credit / Delphi Score

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      No Default Payments

    Should you fulfil the above, we are confident we can take your business to the next level.
    Get started

    Why Union Business Finance?

    At Union Business Finance, we understand the value of the health and well-being sector and the unique challenges faced by professionals in this fast-paced industry. That’s why our finance solutions are tailored to support your growth, helping you improve your services, invest in your space, and build a salon you’re proud to call your own. No matter what funding your business needs, we’re here to provide the support and expertise required to help you succeed; all while building a strong, open, and lasting relationship with you.

    We offer:

    • Access to a portfolio of funding options from 100+ lenders
    • More than 10 years of experience
    • Loans from
      £10,000
      to over
      £5m.
    • 5* service every time
    • Interest rates from as low as
      7%

    Our Service Is Always:

    • Transparent - Understanding your business's values & providing you with the knowledge you need to make the right decision for you.

    • Ethical - We always have the client's best interests in mind.

    • Personable - We focus on building relationships with our clients that are reliable & honest.

    Our team brings a wide range of experience, thorough knowledge & understanding of the financial climate to help you find the best funding solutions.

    Ready to get started? Let’s do it!

    Contact us using the form below

    Learn more about how Union Business Finance could help you secure the right funding for your business.
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    FAQs

    Do I have to be an established business to apply?

    Yes, our finance is aimed at established businesses with at least 2 years of trading history. Please contact us to discuss your needs.

    How long does the application process take?

    The length of an application for our finance usually depends on the following:

    • The type of finance you’re looking for.
    • How quickly you respond to the lender’s enquiries.
    • Whether you’ve provided all the required documents.

    For example, we can offer same-day finance for our quick business loans, but long-term finance options such as commercial bridging loans for acquiring business property may take around 4 to 6 weeks to arrange.

    What documents are required to apply?

    To access our bespoke beauty salon funding, you’ll typically be asked to provide the following:

    • Business Plan: Outline your business and how the loan will be used.
    • Financial Statements: Income statements, balance sheets, and cash flow statements.
    • Tax Returns: Personal and business tax returns for the past few years.
    • Bank Statements: Recent bank statements.
    • Legal Documents: Business licences, registrations, and ownership agreements.
    Are the finance options secured or unsecured?

    This will depend on a number of factors such as the type of salon loan required, amount required, your credit score and more. Contact our team today and we will be able to provide you with more specific information according to your specific needs.

    What if I have an existing loan - can I still apply for more finance?

    Yes, as long as you have healthy cash flow and can demonstrate affordability, you can still apply for more finance even if you have an existing loan. Many beauty salon owners with current financing in place may still qualify for additional funding, depending on factors like repayment history, annual turnover, and cash flow projections.

    At Union Business Finance, we assess each application individually to help you access the support you need to grow your business.

    • Give us a call on 01442 617 799
      or ping us an email: This email address is being protected from spambots. You need JavaScript enabled to view it.

    Want to talk? Let's do it!

    Contact us using the form below

    UK Phone Number... *
    Are you a UK Homeowner?*
    Yes
    No
    How did you find us?

    You agree to how we use your data as explained in our Privacy Policy

    Submit