$10,000 - $500,000 · Approved in 24-48 hours · Equipment financing, chair rental buildouts, working capital · Salons, barbershops, spas & nail studios
Houston's beauty industry is competitive and cash-intensive. Seasonal swings, expensive equipment, and the upfront cost to expand a salon create real financial gaps that banks rarely understand.
January and summer are brutal for salons. Fixed costs, rent, utilities, product inventory, don't pause when booking slows down. The gap between your slowest month and your overhead is where salon cash flow breaks.
Adding chairs, upgrading stations, or building out a new suite requires capital before the new revenue starts. Banks want collateral you don't have yet. We fund the buildout so the chairs start generating income.
Styling chairs, shampoo bowls, color supplies, retail inventory, the upfront cost to open or expand a salon is significant. These costs hit before you see a dollar of new revenue from the added capacity.
We know how salons make money: daily card swipes, consistent bookings, seasonal peaks. Our lending partners are built to work with it.
Based on daily card volume, perfect for salons that process cards. Repayment flexes automatically with your daily swipes. Busy Saturday? Repay more. Slow Monday? Repay less. No fixed payment to miss.
Cover slow months, product restocking, payroll for your stylists. Fast approval based on monthly deposits. The bridge loan salons reach for when the calendar goes quiet.
Finance styling chairs, shampoo bowls, dryers, stations, and color bars. Equipment serves as its own collateral, no property required for better rates.
Draw when you need it for inventory, new hires, or a marketing push. Repay it and the line resets. The smart alternative to keeping constant debt on your books.
Predictable monthly payments for planned expansion: a remodel, adding a new location, or converting to a suite-rental model. Best when you have a clear ROI on the spend.
Best rates and longest terms for qualified salon owners. Ideal for purchasing a building, a full salon acquisition, or major multi-location expansion. Worth the timeline for the right deal.
Slow winters, equipment upgrades, second locations. Here’s what funding looked like for real Houston salon and barbershop owners.
Houston Heights color salon hit a brutal January. Slow bookings meant payroll was in jeopardy for three stylists. Bank wanted financials they didn't have polished. We funded in 22 hours using card receivables. Three stylists kept on staff through the slow season.
Katy barbershop wanted to add 4 new chairs and remodel the waiting area to handle growing demand. Equipment financing covered the chairs and buildout in 3 days. The new stations were generating income within a week of installation.
Sugar Land spa owner had found a second location in a new strip center with strong foot traffic. The build-out plus first and last month plus equipment came to $55K. A term loan gave her predictable payments to plan around while the new location ramped up revenue.
Banks have been cautious about beauty industry businesses for years. Here’s what keeps getting salon owners rejected, and how we approach it differently.
Banks apply generic beauty industry statistics to individual businesses. A thriving 4-year Houston salon with loyal clientele gets judged the same as a brand-new concept. Same denial, completely different story.
Your specific revenue history and deposit patterns. A salon doing $25K/month consistently is a strong candidate regardless of what industry averages say.
Banks want real estate as collateral for business loans. Nearly every salon in Houston leases. That disqualifies you from most traditional bank loan products before you even finish the application.
MCAs, revenue-based products, and equipment financing don’t require property. Your card receipts and bank deposits are sufficient collateral for the right products.
Salons can have lumpy deposits, big weeks around holidays, slow stretches in January and summer. Banks see inconsistency and interpret it as instability, even when annual revenue is strong.
Three-month averages rather than individual weeks. Seasonal patterns in the beauty industry are normal and predictable, not a red flag for lenders who understand the business.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your salon funding options.
We fund salons, barbershops, spas, and nail studios in every Houston suburb and surrounding city.
Salon & barbershop funding in Katy TX
Sugar LandCapital for Sugar Land salons & spas
CypressFast funding for Cypress beauty businesses
The WoodlandsSalon capital for Woodlands growth
PearlandFunding for Pearland salons & barbershops
League CityLeague City salon & beauty business loans
HumbleHumble TX salon working capital
PasadenaPasadena salon & barbershop funding
Houston's best beauty businesses don't let cash flow slow them down. Neither should you.
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