Salons & Beauty
Invest in your space. Grow your brand.
Fast funding for salons & beauty businesses in Florida. Apply in 60 seconds.
Why Salons & Beauty Businesses Need Funding
The real challenges salons & beauty owners face
Buildout and Renovation Costs
Creating the right atmosphere is everything in beauty. Custom stations, lighting, flooring, and fixtures cost $50K–$200K before you book a single appointment.
Station and Chair Expansion
Adding stations means more revenue capacity, but each new station requires capital for equipment, booth rental buildout, and inventory.
Professional Product Inventory
Color lines, treatments, retail products — a stocked salon shelf requires $10K–$30K in inventory that turns slowly.
Marketing to Build Clientele
Social media ads, influencer partnerships, grand opening events — a new salon needs marketing investment to generate the reviews that drive organic growth.
Luma Funding Options for Salons & Beauty
The right product for the right moment
Cash Advance
$5K–$500K
Get capital based on your daily appointment volume — repay as clients come through the door.
Learn More →Business Loans
$10K–$500K
Fixed payment loans for buildouts, renovations, and equipment purchases.
Learn More →Line of Credit
$5K–$200K
On-demand capital for inventory, marketing campaigns, and seasonal slow periods.
Learn More →I went from 4 stations to 8 stations in 6 months. Luma funded the expansion and the business paid it back through the new chairs before I even noticed the payments.
Daniela V.
Upscale Hair Salon
Miami, FL
$55K cash advanceaverage full salon buildout cost
of salon owners self-finance and undercapitalize
average Luma funding time
FAQ
Questions about funding your salons & beauty business
Individual booth renters with their own business accounts and consistent revenue qualify. Bring 3 months of personal business bank statements.
Yes. Payroll expansion, stylist signing bonuses, and training costs are all legitimate business uses for a cash advance or term loan.
Business loans and equipment financing are well-suited for buildouts. We can structure a term that aligns with your expected ramp-up time after the renovation.
Luma's cash advance minimum is 550 FICO. Business loans require 600+. Many established salon owners with strong daily revenue qualify even with lower personal credit.
We base the advance on your average monthly card processing volume or bank deposits. Most salons qualify for 1–1.5x their average monthly revenue.
Get funded for your salons & beauty business
Florida's fastest funding for salons & beauty owners. Apply in 60 seconds.