Lendus.

Salon Equipment Finance

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.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£2k – £80k

Approval Speed

24 hours

Same-day for < £20k

Rates From

From 6.0% APR

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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

Borrow £18,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£375. Total amount payable: ~£18,000. Rates depend on your circumstances.

Popular models

Model Price Range 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

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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.

Market context

The UK hair and beauty industry is worth £8.9bn and employs over 280,000 people. There are approximately 45,000 hair salons and 20,000 beauty salons in the UK. The average salon refurbishment cycle is 5–7 years.

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. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a full salon fit-out?
Yes. Most lenders allow you to bundle chairs, basins, mirrors, styling stations, and treatment equipment into a single agreement.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.
Can new salons get finance?
Yes, but options are more limited under 2 years trading. You'll typically need a personal guarantee and evidence of a signed lease. Industry experience helps.
How quickly can I get salon equipment finance?
Most applications are approved within 24 hours. For deals under £20k, same-day approval is common.

Guides and resources

Ready to finance your salon equipment?

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