Salon Equipment Finance

Q: Can I finance a full salon fit-out?

Yes. Styling stations, backwash units, treatment chairs and other salon equipment are commonly financed together as one package, most often when a stylist or therapist opens their first salon or an established business refits after years of heavy daily use. Financing the whole fit-out as one facility rather than several smaller agreements is usually quicker to arrange, since the lender assesses one specification and one supplier schedule. Any building works, such as plumbing for backwash units or flooring, are typically financed separately from the equipment itself.

Q: What deposit do I need for salon equipment finance?

Hire purchase typically asks for a deposit of around 10 to 20% of the equipment cost, with the balance spread over the agreed term and ownership passing to you at the end. A finance lease or operating lease usually needs no deposit at all, since the lender's security is the equipment itself, which suits many salon owners well because it is typically a small business with limited capital and keeping cash free for rent and stock matters while the client base builds. The deposit level also depends on whether the business is newly formed or already trading.

Q: Can new salons get finance?

Yes, though a newly opened salon is usually asked for a larger deposit, a personal guarantee from the owner, or a shorter term than an established salon with several years of accounts. Lenders will look at the stylist or therapist's experience, the site's lease terms and any client bookings or forecasts, since a fit-out is a significant commitment before the business has generated income. Comparing several lenders through a broker is particularly worthwhile for a first opening, since appetite for newly formed salon businesses varies considerably between lenders.

Q: How quickly can I get salon equipment finance?

A straightforward order of chairs, styling stations or backwash units from an established supplier is commonly approved within 24 to 48 hours once your application, the supplier's quote and basic company details are with the lender. A full salon fit-out for a new opening typically takes a little longer, around three to five working days, since the lender is reviewing a larger combined facility across several equipment types. Having your supplier's quote ready before applying, rather than partway through fit-out, keeps the process quick.

Q: Can I finance used salon furniture and equipment?

Yes, there is a modest used market for salon chairs, backwash units and other furniture, and financing it can help a new or smaller salon fit out more affordably than buying everything new. Lenders will want to see the age and condition of the equipment, and items sold through a specialist salon equipment dealer with a warranty are generally easier to finance than a private sale with no history. Mixing new and used items on the same agreement is also possible, provided the supplier's quote itemises each piece clearly.

Q: Can delivery and installation of styling stations and backwash units be included in the finance?

Yes. Most lenders will finance the full cost of a salon fit-out, including delivery and the plumbing and electrical work needed to fit backwash units and styling stations, rather than just the equipment purchase price, provided the supplier's quote sets these costs out clearly. This keeps cash flow smoother during a fit-out, since the repayment schedule then reflects the whole cost of getting the salon ready rather than leaving installation as a separate cash cost on top.

Spread the cost of salon equipment from £2,000 to £80,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a salon equipment?

Yes, salon equipments are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £2,000 to £80,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

Typical Cost

£2k – £80k

Approval Speed

24 hours

Same-day for < £20k

Rates From

6.0% APR

What would a salon equipment cost per month?

Salon Equipment price (ex VAT) £18,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical salon equipment price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 6.5% APR
Term: 12–48 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Salon owners wanting to own equipment outright

Finance Lease

Rate: From 6.0% APR
Term: 12–48 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate: From 6.8% APR
Term: 24–36 months
Deposit: None required
Ownership: Return at end
Best for: Keep your salon looking fresh. Off balance sheet.

Representative example

On a purchase price of £18,000: a 10% deposit of £1,800, then 48 monthly payments of £380 at 5.9% APR representative (fixed). Total amount payable £20,040, including the deposit. The rate you are offered depends on your business and the asset.

Machine or specification	Guide price	Type
REM Cascade Styling Chair (x6)	£4,000 – £7,000	Styling Chairs
Takara Belmont Yume	£3,000 – £5,500	Backwash Unit
Dermalogica LED Machine	£5,000 – £12,000	Skin Treatment
Full Salon Fit-Out Package	£25,000 – £60,000	Complete Salon

Tax benefits

Salon equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP allows capital allowances. Lease payments are fully deductible from profits.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

Can I finance a full salon fit-out?

Yes. Styling stations, backwash units, treatment chairs and other salon equipment are commonly financed together as one package, most often when a stylist or therapist opens their first salon or an established business refits after years of heavy daily use. Financing the whole fit-out as one facility rather than several smaller agreements is usually quicker to arrange, since the lender assesses one specification and one supplier schedule. Any building works, such as plumbing for backwash units or flooring, are typically financed separately from the equipment itself.

What deposit do I need for salon equipment finance?

Hire purchase typically asks for a deposit of around 10 to 20% of the equipment cost, with the balance spread over the agreed term and ownership passing to you at the end. A finance lease or operating lease usually needs no deposit at all, since the lender's security is the equipment itself, which suits many salon owners well because it is typically a small business with limited capital and keeping cash free for rent and stock matters while the client base builds. The deposit level also depends on whether the business is newly formed or already trading.

Can new salons get finance?

Yes, though a newly opened salon is usually asked for a larger deposit, a personal guarantee from the owner, or a shorter term than an established salon with several years of accounts. Lenders will look at the stylist or therapist's experience, the site's lease terms and any client bookings or forecasts, since a fit-out is a significant commitment before the business has generated income. Comparing several lenders through a broker is particularly worthwhile for a first opening, since appetite for newly formed salon businesses varies considerably between lenders.

How quickly can I get salon equipment finance?

A straightforward order of chairs, styling stations or backwash units from an established supplier is commonly approved within 24 to 48 hours once your application, the supplier's quote and basic company details are with the lender. A full salon fit-out for a new opening typically takes a little longer, around three to five working days, since the lender is reviewing a larger combined facility across several equipment types. Having your supplier's quote ready before applying, rather than partway through fit-out, keeps the process quick.

Can I finance used salon furniture and equipment?

Yes, there is a modest used market for salon chairs, backwash units and other furniture, and financing it can help a new or smaller salon fit out more affordably than buying everything new. Lenders will want to see the age and condition of the equipment, and items sold through a specialist salon equipment dealer with a warranty are generally easier to finance than a private sale with no history. Mixing new and used items on the same agreement is also possible, provided the supplier's quote itemises each piece clearly.

Can delivery and installation of styling stations and backwash units be included in the finance?

Yes. Most lenders will finance the full cost of a salon fit-out, including delivery and the plumbing and electrical work needed to fit backwash units and styling stations, rather than just the equipment purchase price, provided the supplier's quote sets these costs out clearly. This keeps cash flow smoother during a fit-out, since the repayment schedule then reflects the whole cost of getting the salon ready rather than leaving installation as a separate cash cost on top.

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Guides and resources

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