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Beauty Equipment Loans for New, Start-up & Established Salons
With demand for beautician, skin, hair and nail services consistently strong, therapists and salons need to be well-equipped with the latest innovations to remain competitive yet profitable. We assist existing salon owners and therapists setting-up their own clinics and services to acquire the requirements they need with affordable, cost-effective funding. Providing professional and supportive lending services for hairdressers, nail technicians, skin clinics, makeup artists, day spas, treatment and tanning centres and massage therapists source the right lenders and the right funding packages to suit their specific set-up.
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Compare Loan Interest Rates and Save Big
Compare Beauty Equipment Loan Interest Rates
Similar to how primer and a proper skincare regime are the foundations for a perfect, long-lasting finish and outcomes, so interest rates are the foundation for solid, workable funding that will perform for the salon over the long term. We focus on achieving lower rates as a basis for structuring stronger funding packages. Rates vary across the selection of credit types and according to applicants’ credit profile and other specifics. Our current rates can be used as a guide and a confirmed quote can be obtained with a quick call to us.
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Disclaimer: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Experience Expert Treatment Finance Solutions
Get Expert Treatment for Beauty Equipment Finance
We are highly experienced and credentialed experts in the commercial lender sector, with specific expertise in working with salon owners and self-employed therapist to source and structure their funding requirements. As brokers, we handle the entire process on your behalf. From the initial consultation, we assess your individual requirements and source the appropriate lender that will make the most suitable offer. Proceeding to source an offer and working with our lenders to structure the terms, conditions and balloon/residual to optimise tax benefits and deliver a repayment schedule that will work with your cash flow.
Clients do not need a referral to utilise our services. We are based in Australia and can be easily contactable by phone or online. Working with us is easy, with our comprehensive service designed to simplify the entire process of obtaining funding to purchase salon and clinic machines, devices and furniture.
One particular challenge for salon operators can be that individual machines, chairs and other items are priced below the lending threshold of many banks and lenders. We address that issue by negotiating salon furniture packages for funding multiple requirements into the one deal, with one repayment.
- Professional, expert commercial lending brokers.
- 20+ years of experience in Australian commercial finance.
- No referral, work directly with our experts.
- Personalised treatment, individual funding packages.
- Solutions optimised for current taxation rulings.
- FBAA Member, Licensed Credit Provider.
Find the Perfect Lenders with Ease
How to Find the Right Lenders for Beauty Equipment Loans
Many clinic and salon operators may find challenges in finding banks and finance companies that understand the requirements of their personal services industry. That is a key area where we assist. We have accreditation with over 80 lenders which includes those that we know do have specific interest and understanding of your industry.
We open these channels with non-bank and bank lenders for clients and connect directly with them at our industry-level to deliver targeted funding packages to meet the requirements of the sector.
- Find the right lender to suit beauty industry requirements.
- Find 80+ Lenders.
- Find lower rates and flexible funding packages.
- Find expert support and assistance.
Explore a Range of Loan Options
Selection of Loan Types for Finance for Beauty Equipment
There are a number of types of credit available for funding salon requirements. They vary in regard to the interest rate, ownership of the items during the lending term, the way tax deductions are claimed and with the compatibility with accounting methods. Clients are advised to refer to their accountant to confirm which option will work best with the set-up of their salon.
We source and structure all options with fixed rates, workable terms and a fixed repayment schedule to allow confidence and planning expenditure.
- Beauty Equipment Chattel Mortgage
- Lease Beauty Equipment
- Commercial Hire Purchase (CHP) Finance for Beauty Equipment
- Rent-to-Own Loan for Beauty Equipment
- Fixed lower interest rates, flexible fixed terms, negotiated fixed repayments
- Balloon, residual, buyback options
Flexible Financing Options for Beauty Equipment
Get Workable Solutions for Start-up, New and No Financials Loans for Beauty Equipment
Starting a new hair, nail, skin or make-up service can be a challenge when it comes to sourcing funding to purchase the requirements. Not having the financials and not having traded long enough to meet bank criteria can hinder set-up plans. We do have access to lenders that will provide affordable funding for new, small, solo and start-up therapists.
- No Financials Beauty Equipment Loans
- Sole Trader Loans for Beauty Equipment
- Self-employed Beauty Equipment Finance
- No Doc and Low Doc Beauty Equipment Loans
Versatile Beauty Equipment Loan Solutions
Wide Scope for Beauty Equipment Finance Solutions
We offer a broad based services to assist many types of therapists and salons acquire a vast range of machines and furniture.
- Beauty Equipment Finance for skin clinics, hairdressers, manicurists, nail bars, skin therapists, beauticians, makeup artists, day spas, nail technicians, tanning salons, massage therapists.
- Loans for Beauty Equipment for salon chairs, colour accelerators, hair dryers, beauty beds, barber chairs, lights, magnifying lamps, examination lighting, spray machines, sterilisers, hot towel cabinets, autoclaves, massage tables and beds, trolleys.
- Finance for therapist stools, shampoo basins, waiting lounges, treatment chairs and beds, styling chairs, workstations hydraulic reclining chairs, mirrors, reception desks, manicure tables.
- Financing salon furniture packages.
Accelerate Your Beauty Venture with Fast Approval
Fast Approval of Loans for Beauty Equipment
If you’ve signed a lease for premises, have clients lined-up for treatments or just keen to get started, we expedite the approval process with many applications approved in 24 hours.
FAQs
Beauty Equipment Finance
Yes. Salon operators can select Leasing or Chattel Mortgage, CHP or Rent to Own to fund their requirements. The credit products vary in suitability to different commercial operation set-ups. Referring to an accountant as to which is the most suitable for an individual company is advised.
Interest rates on commercial credit vary with the type of credit and with the details in the individual application. Lenders assess each application including the credit rating when preparing offers.
New commercial operations are eligible for commercial lending products. Where all the financials and trading period to fulfill the standard application are not available, operators may seek lenders or brokers that approve funding based on 6mth turnover and without financials.
Not all banks and lenders approve applications where insufficient financial records are provided. Applicants may seek low doc and no doc financing options. These are available through specialist non-bank lenders and may be sourced with the assistance of a broker.
Yes. All commercial credit products include tax deductions according to ATO rulings. Rent to Own and Lease payments are treated as an expense and are deductible. When Chattel Mortgage and CHP is used, the assets are depreciated in line with ATO schedules and the value of the depreciation each year represents the tax deduction.
Operators may negotiate with lenders on including multiple items in the one funding package or use the services of a broker to assist with this process. There may be conditions such as all items being purchased through the same supplier at the same time and charged on the one invoice.
Yes. Used items for salons and clinics may be funded using the same credit products as for new items. The interest rate typically varies for used goods. Lenders assess the age and condition of goods when preparing offers in regard to terms and conditions.
Yes. Assets required for a salon may be purchased with commercial funding. That may include the fit out, fixtures and fittings.
The terms offered on commercial funding will be determined by lenders based on their assessment of the application. The term may be determined by the amount requested, the age and condition of goods, security offered and credit profile. Asset acquisition funding may be acquired with terms of up to 7 years/84 months or with shorter terms when machines are upgraded more regularly.
A balloon payment refers to CHP and Chattel Mortgage. It is a portion of the total loan amount that is set aside and is paid in full after the last monthly repayment is finalised. It is an option.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
