Salon & spa funding to keep every chair full.

Common uses include renovations, chairs and wash stations, retail product inventory, hiring and training stylists, marketing, and bridging slow-season cash flow.

Yes — timing is everything in this business. Fund retail inventory and extra staffing ahead of the holidays so you capture the season instead of watching it pass.

With a complete application, salons can get a decision in as little as 4 hours and funding as fast as same day. Apply directly to Logic Advance — no obligation.

Prepare a signed application and four recent, complete business bank statements. Additional records, identification, and ownership information may be requested.

The published programs look at the business’s overall revenue and operating history. Booth-rental models with steady reported revenue can discuss their situation with the team.

Dedicated equipment financing can suit big-ticket items like wash stations with clear asset value. Working capital covers renovations, inventory, hiring, and timing gaps. Many salons use both.

A merchant cash advance is structured around future receivables with its own cost and collection structure, while a line of credit revolves subject to approval. Compare total cost and payment timing against your booking patterns.

Credit is one piece of the review — not the whole story. The team weighs operating history, monthly revenue, cash flow, and the health of your book. If credit is a concern, bring bank statements showing steady deposits and be ready to explain your situation honestly. Many programs look at where your business is now.

Requirements differ by product, and meeting a minimum doesn't guarantee approval. Rather than fixating on a number, focus on what you can control: clean bank statements, consistent revenue, and complete documentation. Apply and you'll get a straight answer about your specific situation.

Submit four complete, clean bank statements with no gaps. Keep business and personal funds separate. Have a clear purpose for the funds. Respond quickly if the team requests anything additional. And apply when your recent months look strong — timing your application around solid revenue helps.

You'll get a straight explanation of why — not a form letter. Common reasons include insufficient revenue history, incomplete documentation, or recent banking issues. Address the specific reason, wait until the underlying issue is resolved, and reapply. Many approved clients were declined on their first attempt elsewhere.

The initial review is based on your business bank statements and application — not a hard credit pull. Any credit check that may occur later in the process will be disclosed to you first. Ask the team exactly what to expect before you proceed.

It depends on the product. Equipment financing typically uses the equipment itself as collateral. Working capital programs are often unsecured — based on revenue and cash flow, not pledged assets. You'll know exactly what's required before you commit.

Compare the total cost — not just the payment. Request the net amount you'll receive, all fees, the full repayment obligation, and the timeline. Then weigh speed: a decision in hours versus weeks matters when you're trying to hire, renovate, or stock up before a busy season.

A signed application and four recent, complete business bank statements. Have identification and ownership documents ready. If you're funding equipment, bring the vendor quote. Submitting everything at once through the secure upload is the fastest path to a decision.

Women own a huge share of salons and spas, and funding is evaluated on business merit — revenue, history, cash flow — regardless of who owns it. If you've been underestimated by traditional institutions, you're exactly who direct funding is built for. Your search ends here.

The team reviews your signed application and four recent, complete bank statements, and may request identification and ownership information. With a complete application, salons can get a decision in as little as 4 hours, and funding can follow as fast as same day once approved. You will hear a clear yes, a clear explanation, or a request for specific missing items — not silence.

Start with a real budget, not a guess. The example on this page totals $55,000 — $35,000 for renovation and new stations, $12,000 in retail product inventory, and $8,000 for hiring and training. If you can contribute $15,000 without using essential operating cash, the planning gap is $40,000 before financing fees or other costs. Keep contractor bids and equipment quotes organized so the request is easy to review.

Logic Advance’s published guidelines start at $25,000 in monthly business revenue. Merchant cash advance and line-of-credit guidelines start at six months in business, while equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product, and meeting a minimum does not guarantee approval — the review weighs your revenue, operating history, and cash flow together.

Compare the full picture, not just the payment. Confirm the net amount your salon will receive, every fee, the total repayment obligation, the payment frequency, and the expected duration. Review any guarantees, early-payment treatment, and what happens if a slow season hits mid-agreement. A clear offer answers all of these in writing before you sign anything.

Yes — expansion is a common funding purpose when the first location shows steady revenue and a full book. Funding can help cover the new lease build-out, chairs and wash stations, initial product inventory, and hiring and training for the second team. Bring your current location’s revenue history and a realistic opening budget so underwriting can see the plan behind the request.

Yes. Many salons return ahead of the holiday rush or wedding season to stock retail inventory, add seasonal staff, or refresh stations before demand peaks. A prior application on file makes the next review simpler, because the team already knows your revenue patterns. Apply early enough that the money is working before the rush starts, not after it passes.

Yes — expansion into a new space is a common funding purpose when the existing business shows steady revenue. Funding can help cover the lease build-out, chairs and wash stations, and initial product inventory; bring a buildout schedule and a realistic opening budget so underwriting can see the plan behind the request.

Yes. The planning example on this page combines renovation and stations, retail product inventory, and hiring and training in one request, because that is how a real salon project arrives. List each cost with its bid or quote, and the review can weigh the combined plan against your revenue and cash flow.

That pattern is expected in this industry, and it is why the review reads your bank statements rather than a single month. Books fill and empty with the seasons and retail spikes at the holidays; showing several complete months lets underwriting see the full cycle, including how the business recovers after a lull.

Prepare a buildout schedule and a plan for revenue during construction before you apply: which chairs stay open, which services move, and which weeks are slowest. Funding the work in a lull — with the amount sized to the bids — keeps the renovation from colliding with your busiest booking periods.

Yes — marketing is one of the uses listed on this page, and it pairs naturally with hiring: a new stylist pays for themselves faster when the book behind their chair is being filled deliberately. Include the marketing plan and its cost in your request so the amount matches a purpose, not a guess.

Early enough that the money is working before the rush starts, not after it passes. Many salons return ahead of the holiday rush or wedding season to stock retail inventory, add seasonal staff, or refresh stations, and a prior application on file makes the next review simpler because the team already knows your revenue patterns.

Yes — phasing is the approach this page recommends. Prepare a buildout schedule and a plan for revenue during construction before you apply: which chairs stay open, which services move, and which weeks are slowest. Funding the work in a lull, with the amount sized to the bids, keeps the renovation from colliding with your busiest booking periods.

Go back to the budget lines before you sign anything. Compare the new quote against the net amount you will actually receive, decide which line absorbs the difference — a smaller retail order, a phased station count — and talk with the team about the revised plan. A request sized to real bids is easier to review than one padded for surprises.

Deposits are part of the plan you present, the same way this page tells you to confirm what can be financed and what must be paid upfront before you commit. List each deposit with its bid or quote and its due date, so the review can weigh the full schedule — contractor, equipment, and product line — against your revenue and cash flow.

Name the cause and show the recovery. A slow January, a stylist's leave, or a one-time repair reads very differently when the months around it are steady and the explanation arrives with the file. Four complete months let underwriting see the dip in context; a short written note tells them which story the numbers are telling.

Yes. The planning example on this page combines renovation and stations, retail product inventory, and hiring and training in one request, because that is how a real project arrives. A spa adding treatment rooms can list the equipment quotes beside the station work the same way — each cost with its bid or quote, reviewed as one combined plan.

Hiring and training are funded uses on this page, and converting a proven renter into an employee is a hiring decision with the same shape: recruiting cost is low, but payroll starts before their book fully converts. Budget the transition months the way this page budgets hiring and training — inside the plan, with a reserve — rather than absorbing them week to week.

Yes — price them as one plan, the way this page budgets renovation and stations together with hiring and training. A station without a stylist earns nothing, and a stylist without a station has nowhere to build a book, so the request should cover both, with a reserve for the weeks the new book is still filling.

Set the reserve aside inside the plan before the work starts, using your slowest recent month as the guide: rent, payroll, and product orders still come due while the book refills. This page budgets slow-season working capital the same way — as a named line in the request, not as whatever cash happens to be left.

Ask for the full line-by-line total: the product lines themselves, any opening-order minimum, delivery charges, and the deposit required before shipment. A complete quote lets the review size the inventory part of your request to the real order instead of a rounded guess, and it belongs with your signed application and four recent bank statements.

Yes — hiring and training are funded uses on this page, and training that moves a proven stylist into color, extensions, or another higher-priced service is the same shape of cost: money out now for a book that earns more later. Name the training, its cost, and the service it unlocks when you apply.

Give retail its own line in the plan, sized from your holiday and rush-season sales, instead of letting product orders compete with payroll week to week. This page budgets $12,000 of retail product inventory inside its worked example for exactly that reason: shelves stocked on purpose, and payroll cash left where it belongs.

Compare what the station actually carried against the plan: bookings per week, retail sold from that chair, and whether the reserve you set aside was enough. That first full book is the evidence your next request stands on, and it shows whether the next station should be funded the same way or sized differently.

Present the plan in its phases when you apply: which stations are built first, what each phase costs, and when each payment falls due. A request that follows the buildout schedule is easier to review than one large rounded figure, because underwriting can match the amount to the bids and dates you provide.

Bring the supplier quote for the order, your sales from the same season last year if you have them, and the date the order must be placed. Retail inventory is a named line in this page's worked example, and a dated quote plus seasonal sales history shows the review exactly what the order will earn back.

Yes — a single equipment need can be presented on its own, with the vendor quote and any installation estimate. You do not need to invent a larger project around it. The review weighs the quote against your revenue and statements the same way it weighs a full renovation, just on a smaller plan.

Booth rent that lands in the business account as steady deposits reads as part of the salon's revenue pattern, and this page's programs look at the business's overall revenue and operating history. Keep renter payments consistent and identifiable in your statements, and be ready to explain the model when you apply.

Apply anyway, and say so plainly. Four complete statement months show the review your pattern, including the build toward a busy season, and a dated plan — a renovation finishing date, a product order, a hiring start — explains what the funding is timed for. Timing a request ahead of the rush is the pattern this page recommends.

Yes. A treatment room is the same shape of project as a new station: build-out cost, equipment, and the staffing to run it. List each cost with its quote, the way this page's example lists renovation, retail inventory, and hiring together, and the review can weigh the combined plan as one request.

Offer the January appointment at the moment you cannot fit the client in. A client turned away with a date already booked leaves happy and returns; a client turned away with an apology may not. This page names the goal plainly, a waiting list on Saturdays, and names January as a lull month, so the list built in December is the most honest January marketing a salon owns.

Three of them: the client you cannot fit before the holidays, the retail buyer who asks what a product does over time, and the regular whose next service naturally lands in January. Each conversation already happened at the chair or the shelf, so the booking costs nothing but the habit of asking before the client reaches the door.

The example on this page sets $8,000 of its $55,000 plan aside for hiring and training. A stylist hired against December's waiting list is trained and carrying a book when those January appointments arrive, instead of learning the chair while the book waits. The $12,000 retail share and the $35,000 renovation share serve the same season from the shelf and the room.

The name, the service they wanted, the date they asked for, and the January date they accepted, or the reason they declined. Kept beside the appointment book, that record shows whether the waiting list became revenue or just a busy month's memory, and it gives the next season a starting list instead of a guess.

They turn a slow-month worry into a dated plan. A request reviewed from a signed application and four recent, complete bank statements, starting at $25,000 in monthly business revenue on this page's guidelines, reads stronger when January already holds named appointments than when it holds only a hope that the phone rings.

At the first December turn-away, not on the first slow January morning. The habit takes one sentence at the chair and one line in the book, and it compounds all month: every full week adds names, and the month that used to open empty opens with its first two weeks already written in.