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Spa & Beauty Salon

Financing built for how Spa & Beauty Salon businesses grow

Flexible business financing for salon and spa owners
Funding up to
$1M
Application time
5 min
Funding as fast as
6 hrs
Businesses Supported
15,000+
Featured in
Operational growth

Financing for small businesses in the Spa & Beauty Salon industry

Merchant Growth’s spa and beauty salon financing including our Term Financing and Line of Credit are much more flexible than a traditional business loan. We provide small business owners with a financing option that is designed to meet their needs, with repayments made daily or weekly.

Retail businesses in the wellness & beauty industry including spa, beauty and hair salons can benefit from access to our quick financing that simplifies life for salon owners because they get convenient access to working capital through our alternatives to conventional business loans – alternatives they can use to help their salon business grow!

Common needs

How Can a Spa & Beauty Salon Business Use the Funding?

For a small business owner in the wellness & beauty sector, seasonal variation can make it difficult to maintain the cash flow required to respond to changing or evolving needs. After all, hair salons, beauty salons and spas often face obstacles when seeking financing from a traditional bank. Weak personal credit scores or a bad credit history can also prevent a salon owner from getting the financing that their business requires.

At Merchant Growth, we want to help Canadian businesses grow. Maybe you need a new website, or some new equipment, or maybe you want to get a fancy new coffee maker for your clients. It’s all up to you how you use the funds. Our spa and salon business clients use their financing for a wide variety of needs, including:

  • Hiring new staff
  • Marketing and promotions
  • Expanding their services and offerings
  • Upgrading the interior of the business
  • Purchasing new equipment
How it works

Funding made simple

Apply in minutes online or over the phone
A short application — about five minutes. No long forms or branch visits.
We'll help you find the right financing solution
A real person works with you to match the structure to your business goals.
Access funding in as little as 6 hours
Once approved, funds are deposited so you can move on what's next.
Trusted by operators

Trusted by Canadian businesses moving fast

2.1×
Inventory ahead of Black Friday
"Merchant Growth has provided us with an opportunity to expand our business more rapidly than we otherwise might have been able to and allowed us to keep our personal funds freed up for other purposes."


Jim Southam
President & CEO – Prairie Cannabis Ltd.
+47%
Q4 revenue vs. previous year
"We approached Merchant Growth and very quickly we were able to establish our financial health and they agreed to provide us the necessary capital to grow our business. They were able to see the opportunity that we were seeing that traditional banks would not fund"
Samim Aminzadah
Owner - Blowers Grafton
6 hrs
From approval to deposit
"On behalf of all of us at Urban Concierge Services I want to extend my thanks for the loans you have provided us. Having access to these funds provided us a financial platform to grow our clientele, refine our operations, and adapt to our rapidly changing industry."
Christopher Gunn
Founder of Urban Concierge Services
Eligibility Check

See your business funding options

Answer a few quick questions to check your eligibility. No impact on your credit score.
Eligibility Calculator

Soft check only — no impact on your credit score.

Secure application
No obligation
Fast review process
Trusted by Canadian businesses
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Merchant Growth Ecosystem

A complete system for the way you actually grow.

From funding to tools to insights — everything works together to support your next step.
“Merchant Growth wasn't just a lender, they were a partner. We secured $150k in less than 48 hours, allowing us to triple our inventory before the holiday season.”
Emma Marchetti
Founder · DTC apparel
Ready to unlock
your growth?
Apply in 2 minutes

Ready to unlock
your growth?

Join thousands of merchants who chose smarter funding. Apply in minutes.
Get financing

FAQ

How do I apply?

Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Get Financing” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.

Is there a fee to apply?

No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.

Do you do a credit check?

Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.

How do I know if I’m eligible for business financing?

To qualify, your business must:

  • Be located in Canada
  • Have been operating for more than 6 months
  • Generate at least $10,000 in monthly revenue
How long does it take to process my application?

On average, applications are processed within 6–24 hours.

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