Business loans for salons
Your chair is booked out. The fit-out that filled it is on a credit card.
Finance for Australian hair and beauty businesses carrying the capital cost of fit-outs, equipment, and product inventory that made the revenue possible.
Apply now
2 minutes · No credit check · Free
Overview
Why salons businesses choose Avoir
A salon fit-out that looks effortless cost $80,000 to $150,000 and took 6 months of planning. Your Phorest or Timely subscription, your product back-bar, your basin installation, your tiling, your mirrors, your styling chairs — none of it is cheap and none of it generates revenue until it's all done. Then once you're trading, the economics are tight: product costs run at 8–12% of service revenue, rent is 10–15%, labour is 40–50%, and what's left needs to cover equipment maintenance, marketing, insurance, and growth. Avoir connects Australian hair and beauty businesses to lenders who understand salon economics — not just bank balances.
Banks that lend against bank statement averages miss the fundamental structure of a salon business: high revenue, tight margins, and significant periodic capital requirements for fit-out, equipment, and product. A busy salon with $800,000 in annual chair revenue and a net margin of 12% has a strong business — and a limited capacity to self-fund a refit or a second location from cash flow alone. Lenders in Avoir's network understand the economics of hair and beauty businesses, including chair rental and employed stylist models, product margin structures, and the capital investment profile of fit-outs and equipment upgrades. Whether you're refitting an existing salon, opening a second location, or upgrading to commercial colour processing equipment, a specialist will advise on available options.
Key features
Salon fit-outs and refurbishment
Fund a complete fit-out for a new salon, or refurbish your existing space to attract and retain clients.
Equipment and technology
Chairs, basins, colour equipment, laser and skin technology, UV sterilisers, and POS systems.
Stock and product purchases
Buy in bulk when pricing is favourable or fund new product ranges without using operating cash.
All beauty disciplines
Hair salons, barbershops, beauty salons, nail salons, lash studios, cosmetic tattoo, skin clinics, and spa businesses all eligible.
Eligibility
Do I qualify?
Hair salons, barbershops, beauty salons, nail studios, and personal care businesses with 12+ months of trading history are typically eligible to apply. Chair rental, employed stylist, and mixed-model businesses are all accommodated. A specialist will review your situation.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a sole trader hairdresser get a business loan?
Yes. Sole traders with an ABN, 12+ months of trading, and consistent revenue are eligible to apply. You do not need to operate as a company.
Can I use a loan to fit out a new salon?
Yes. Salon fit-outs are one of the most common uses for beauty industry business loans in our network.
Do I need property as collateral?
No. Unsecured salon loans are available based on your cash flow and trading history. No property required.
How much can a salon borrow?
Most salon businesses in our network access between $10,000 and $250,000 depending on their annual revenue.
Can a booth renter apply for a business loan?
Booth renters operating under their own ABN with consistent revenue may be eligible. Contact us to discuss your specific situation.
Are beauty and skin clinics eligible?
Yes. Beauty therapy, skin clinics, cosmetic clinics, and aesthetic businesses with trading history are eligible to apply.
Ready to apply?
The refit that doubles your bookings shouldn't wait on cash flow.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION