Salon & Beauty Business Loans in San Jose
From a single chair startup to a multi location medspa, the right capital for each stage.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose salon operators get funded
Salon, spa, and medspa owners in San Jose finance build out, equipment, and growth more than they finance acquisition. We package working capital and SBA files for stylist owned salons in Sugar House, day spas in the Avenues, and medspas across the metro. Personal credit and time in business drive most of the underwriting in this category.
San Jose's beauty industry is heavily entrepreneurial, and California ranks high in licensed cosmetologists per capita. Medspas have grown rapidly in Sandy, Draper, and South Jordan over the past five years.
Common capital uses
New chairs, sinks, plumbing, finishes.
Laser, IPL, RF, body contouring devices for medspas.
Marketing, hiring, seasonal cash flow.
SBA 7(a) for opening or acquiring an additional salon.
Qualification requirements
- Operating salon with 6+ months of revenue (for working capital)
- Owner FICO 600+
- Cosmetology licensing for ownership where required
Real San Jose examples
A Sugar House salon owner finances a $120K build out of a second studio with a 7-year SBA 7(a).
A Sandy medspa finances a $90K laser hair removal device over 60 months.
A Murray salon pulls $40K of working capital for a marketing push.
