Finance lease · Beauty and salons
Finance lease for beauty and salons
Beauty and salon finance is lending for hair, beauty and cosmetic clinics, funding treatment equipment such as aesthetic lasers, salon fit-outs, retail stock and the working capital around seasonal trade.
How a finance lease works for beauty and salons
Technology in aesthetics moves quickly, and a device that is competitive today may look dated in four years as newer platforms arrive. A finance lease keeps payments fully deductible and leaves you the choice at the end: pay the residual and keep the machine, or hand it back and take the current generation. For salons competing on offering the latest treatments, that flexibility is often worth more than the ownership a chattel mortgage would give.
The cash-flow pattern we plan around
Appointment-based income paid at service, peaking sharply in November and December and dipping in late January and February.
What beauty and salons typically fund
- Aesthetic lasers, IPL and skin treatment devices
- Salon fit-out, chairs, basins and mirrors
- Treatment beds and sterilisation equipment
- Retail product stock
- Booking, POS and marketing systems
Finance lease for beauty and salons: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| Documents beauty and salons usually need | ABN and lease for the premises · 6 months of bank statements and merchant statements · Equipment or fit-out quote from the supplier |
Rates are indicative, change without notice and depend on the lender, product, asset, term and your credit profile at the time of application. They are not an offer of finance. Comparison rates, where shown, are true only for the example given.
Key terms
Salon equipment finance
Salon equipment finance is secured lending for hair and beauty equipment — styling chairs, basins, treatment beds, sterilisers and aesthetic devices — typically written over two to five years against the equipment.
Aesthetic device payback
Aesthetic device payback is the number of treatments required for a laser or IPL machine to cover its finance repayment, used to test whether a device purchase is supported by realistic client demand.
What is a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.
Questions from beauty and salons
Can a salon or clinic finance an aesthetic laser or IPL device?
Yes. Lasers, IPL, skin and body devices are financed for salons and cosmetic clinics over three to five years, with established businesses usually approved on low documentation. Lenders assess the device’s brand and resale market and the salon’s trading history, and handpieces and training can be included.
Can a salon fit-out be financed?
Yes. Basins, chairs, mirrors, joinery, lighting, flooring and signage can be funded under one fit-out facility with the shopfitter and suppliers paid as the work progresses, repaid over three to five years within the lease term. Equipment is often financed separately at a sharper rate.
How do salons fund the late-January and February dip?
A line of credit drawn as needed and repaid when trade returns is the cheapest option, and a short unsecured loan covers retail stock ahead of the November and December peak. Applying while trade is strong in spring gets the best terms.
Can a new salon owner get finance?
Yes, with the right lender. New salons are approved with a deposit, a signed lease, industry experience and a clean personal credit file, and equipment from major brands is easier to finance than unbranded devices. Established salons qualify on bank statements, often within a day.