Business Loans for Beauty & Hair Salons
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Tell us how much you need and what it’s for. We’ll connect you with one licensed, YFG Approved business finance broker who compares options for your business and contacts you within one business day.
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Finance your salon purchase, fitout, or equipment with business loans designed for the beauty and hairdressing industry across Australia.
Loans from $5K to $300K, over 12 to 60 months, depending on the lender and the security.
What is the monthly payment on a $50,000 business loan for beauty & hair salons?
About $1,685 a month over 3 years at 13% p.a., close to the unsecured rates CommBank and NAB published on 10 October 2026, or about $1,567 at 8% p.a. on a secured loan, before fees. Online lenders often price higher, and the business loan repayment calculator runs any rate and term.
Beauty & Hair Salons business loan repayments over 3 years
| Loan amount | Monthly repayment at | ||
|---|---|---|---|
| 8%p.a. | 13%p.a. | 18%p.a. | |
| $20,000 | $627 | $674 | $723 |
| $50,000 | $1,567 | $1,685 | $1,808 |
| $100,000 | $3,134 | $3,369 | $3,615 |
| $250,000 | $7,834 | $8,423 | $9,038 |
Illustrative monthly principal and interest repayments over 3 years, before fees and charges. Rates are examples, not offers; your rate depends on the lender and your circumstances. The rate follows the security and the lender more than the industry. Use the business loan repayment calculator.
- Loan amounts from $5K to $300K
- Terms from 12 to 60 months
- Secured and unsecured options, matched to the security you have
- A licensed broker who compares lenders for beauty & hair salons
- No obligation to proceed with any offer
Common financing needs: Beauty & Hair Salons
The things businesses in this sector most often finance:
Beauty & Hair Salons business loan features
How businesses in this sector use finance
Create Your Space
Finance a stunning salon fitout including furniture, lighting, plumbing, and decor to create an experience that attracts and retains clients.
Latest Technology
Access the latest beauty equipment and technology, laser, IPL, microdermabrasion, and more, to expand your service offering and revenue.
Own Your Salon
Fund the purchase of an existing salon business or a franchise to be your own boss with the backing of flexible finance.
Simple Process
Low-doc loan options mean less time on paperwork and more time building your beauty business.
What lenders publish for beauty & hair salons
The entry criteria lenders publish apply across industries, as each lender showed them on 10 October 2026. Meeting a floor is where assessment starts, not an approval.
| Lender | Minimum trading | Turnover floor | Security and size |
|---|---|---|---|
| Bizcap | 4 months | $12,000 a month | Unsecured or secured; $5,000 to $7.5M |
| Prospa | 6 months (2 years for its line of credit) | $6,000 a month | Property or asset ownership needed above $150,000 |
| Lumi | 6 months | $50,000 a year | Unsecured options; line of credit up to $1M |
| ANZ GoBiz | 6 months of reconciled accounting data | GST registered if turnover is $75,000 or more | No asset security to $200,000; a general security agreement from $200,000 to $500,000 |
| Moula | 12 months | $10,000 a month; GST registered | Unsecured; $10,000 to $500,000 |
| OnDeck | 12 months | $100,000 a year | Unsecured; $10,000 to $300,000 |
| NAB QuickBiz | More than 12 months under the current ABN | $75,000 a year; GST registered | No security; $5,000 to $250,000 at 12.95% p.a. fixed |
| CommBank BetterBusiness Loan | Not published | Not published | Residential, rural or commercial property, from 7.54% p.a.; unsecured to $250,000 from 13.09% p.a. |
| Westpac Business Loan | Two years operating and profitable for its 100% LVR option | Not published | Up to 100% LVR to $3m for owner-occupied non-specialised premises or expansion; from 8.16% p.a. |
Criteria change without notice; confirm with the lender. Published decision times are in which lender suits which business.
Lending challenges for this sector
Lenders that specialise in the sector can work with situations like these, which is where a broker's knowledge of each lender's appetite matters:
How to get a business loan for beauty & hair salons
Tell us your needs
Share what the finance is for, how much you need and how long you have been trading.
A broker compares lenders
A licensed business finance broker compares lenders on their panel for beauty & hair salons.
Compare your options
Review the offers and choose the one that fits.
Settlement
The lender settles the loan and releases the funds.
Related finance options
Business loans for other industries, and the main business finance products.
Beauty & Hair Salons business loan FAQs
Can I get a loan to buy a hair salon?
What beauty equipment can be financed?
How much can I borrow for a salon fitout?
Do I need security for a salon business loan?
Can I finance stock and product inventory?
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans and a loan of $30,000 over 5 years for car and personal loans, unless the lender states another basis. Business loans and equipment finance for a business purpose have no mandatory comparison rate.
Ready to fund the next step?
Answer a few quick questions and a licensed business finance broker compares lenders for beauty & hair salons. Free to use, no obligation.