Cash advances for UK beauty salons.
For nail bars, lash & brow studios, waxing rooms, and full-service beauty salons. Funded against the card takings already running through your terminal.
What MCA means for a beauty salon.
Treatment-led businesses run almost entirely on cards, with retail product as a second income stream and gift vouchers spiking before Christmas, Mother's Day, and wedding season. MCA gives you funding for new treatment beds, laser or LED kit, retail stock, refit, or marketing. Repaid as a small share of card takings, so quiet weeks repay less than peak weeks.
Sound familiar?
A new treatment line needs kit.
LED, microneedling, or wax-pot upgrades, £4k to £15k of kit before you can offer it.
MCA covers the kit. Once the treatment is on the menu, the additional bookings repay the advance.
Retail product needs stocking up.
Skincare ranges, gift sets, retail shelves, £2k to £6k tied up in stock before peak.
MCA gets the stock in. Sell-through during peak absorbs the repayment.
You want to add a treatment room.
Splitting a room or fitting out a new one, £5k to £12k, before any extra bookings come in.
MCA funds the fit-out. The extra room generates the takings that pay it back.
Here's what it actually costs.
A beauty salon borrows £5,000 for a new LED light and treatment bed. Monthly card takings: £10,000. £5,000. Average monthly card takings £10,000. Fixed cost 1.3. 13% daily repayment % on card sales, total cost £1,500.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£5,000
- vs card takings50%
- Fixed cost1.30
- Daily repayment£43
- Avg monthly£1,300
- Est. term5.0 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersBeauty salons, quick answers.
Yes. As long as you take card payments through your own terminal, your card volume drives the advance.
Funding options for beauty salons
Beauty salons run on card-paid bookings, with retail product layered on top. A merchant cash advance, or MCA (also known as a PDQ cash advance or card machine loan) turns that steady appointment card flow into working capital for kit, treatment-room build-out, or stock. Repaid as a percentage of daily card sales. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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