Financing for Salons & Spas

ARF Financial has unsecured business loans and lines of credit specifically designed for salon and spa owners. With an established track record of providing financing for the industry, our team of seasoned loan consultants specialize in delivering the trusted financial guidance you deserve with the industry-leading loan products you need to keep your salon or spa profitable and moving forward. Whether you own a single small corner salon or you’re the CEO of a major spa resort, we can provide you access to the right loan products, and we can do it fast. We understand your unique needs and have loans and lines of credit to fit every situation.

Our primary focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Running a successful salon or spa takes much more than just cosmetology schooling. It also takes ongoing access to capital to remain relevant and competitive. Here are just a few common uses of our salon and spa financing:

Renovate or remodel your storefront

Hire and train new employees to facilitate growth

Purchase new equipment

Open another location or move into a larger space

Add new cosmetic services and procedures

Buy out a business partner

Purchase inventory in bulk for discounted pricing

Start a new loyalty program or marketing campaign

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:

*Completing our online application only takes 10 minutes and won’t affect your credit.

Borrow $100,000 or more and receive a $1,000 Amex Gift Card!

For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*

*Receipt of the $1,000 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.

What Makes ARF Financial Different?

Since 2001, ARF Financial has helped thousands of salon and spa owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. ARF has forged exclusive relationships with community banks across the country, so you can obtain the funds you need quickly with no collateral and limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows – maximizing your return on investment without sacrificing your cash flow.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

No collateral requirements on loans up to $750,000

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

The Difference is Insight

Strengthen Your Bottom Line

ARF can help you pamper your customers while strengthening your bottom line by providing the funds to expand, renovate, or adding new cosmetic procedures and services. Our expertise in salon and spa financing allows us to analyze your business needs, risks, and opportunities, and perfectly tailor one of our industry-leading loan products for your specific needs and circumstances. Update your equipment and facilities, seize an opportunity for growth, or overcome that financial hurdle that’s holding you back.

Capitalize On New Opportunities

Regardless of what your future holds, ARF Financial can help you capitalize on your business’s potential, even if conventional banks won’t consider it. Our loan products give you fast access to amounts from $5,000 to $1 million, all without the obstacles traditional bank loans often have. We can offer same day approvals, a low-documentation application process, no collateral requirements on loans up to $500,000, and flexible repayment options to keep your cash flow strong.

Minimum Qualifications

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Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list.

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Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.

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Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).

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Annual Sales

Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.

How to Apply for Salon and Spa Financing?

If you own a salon or spa and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.

Our Unique Loan Products

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Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!

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Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 without collateral and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!

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Unsecured Lines of Credit

With an unsecured Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!

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Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

What Our Customers Are Saying

Business Loan Calculator

Use our business loan calculator to calculate loan amount.

Calculate Loan Amount

Use the sliders below to indicate annual sales, time in business and credit score.

Annual Sales
Time in Business
FICO Score
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Term Loan Amount
12 month
18 month
24 month
36 month
Larger loan amounts may be available with the review of tax returns and financials. Time in business – must be operating under the same ownership and concept. Home-ownership – home must be in your name. Bankruptcy – includes personal and business. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information  if you wish to be contacted by one of our loan consultants to receive a written quote.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

Terms and Conditions

ARF Financial LLC is an exclusive third party originator of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

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Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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