Spa Business Loans

Get up to £6000 funding within 24-48 hours

Get flexible funding for your spa business with a Merchant Cash Advance. Upgrade equipment, hire staff, or invest in marketing with fast, easy funding.

Types of Spa Business Loans

Here are five types of loans for spa owners that suit different needs:

1. Merchant Cash Advance (MCA)

Receive upfront funding based on your daily card sales. Repayments adjust according to your business’s income, making it ideal for spas with fluctuating revenue.

2. Equipment Financing

Finance the purchase of spa equipment with fixed, predictable repayments, ideal for upgrading tools like massage tables or facial machines.

3. Short-Term Loans

Quick, one-time funding for immediate needs like renovations or seasonal stocking.

4. Business Lines of Credit

Access flexible funds for operational expenses or emergencies. You only pay interest on what you use.

5. SBA Loans

Government-backed loans with long repayment terms for larger investments like expansions or facility upgrades.

What is Merchant Cash Advance?

A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.

How MCA Works?

A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.

Benefits of MCA for Spas

Flexible Repayments – Aligned with Your Sales

Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.

Compatible with Your Card Machine

No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.

Get Funded in Just 24 Hours

Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.

Unsecured and Stress-Free

MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.

Keep 100% of Cash Transactions

Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.

No Hidden Fees

All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.

Apply Anytime

Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.

How to Apply for a Spa Business Loan

Check Your Eligibility

Ensure your UK-based business has been trading for at least three months with consistent card sales through your PDQ machine to qualify for the loan.

Required Documents

Prepare recent bank statements showing the last month of activity, four months of card sales reports, and a valid ID like a passport or driving license for a smooth application process.

Apply Online Anytime

Submit your application through the Paymentsave online portal. It’s quick, simple, and available 24/7, allowing you to complete it in just minutes at your convenience.

Quick Approval and Funding

Once your application is submitted, our team reviews it within hours. Upon approval, access funding from £3,000 to £300,000 in just 24 to 48 hours to grow your restaurant effortlessly.

Flexible Funding to Help Your Spa Business Grow

The UK spa and wellness industry is booming, with the market valued at over £4.6 billion annually. The demand for wellness services has surged, driven by a 12% increase in the number of people visiting spas in recent years. More consumers are investing in relaxation and self-care, with treatments like massages, facials, and wellness therapies becoming increasingly popular. To stay competitive, spa businesses need to constantly upgrade equipment, expand service offerings, and attract new customers.

A Merchant Cash Advance (MCA) provides the flexibility you need to meet growing demand without worrying about fixed repayments. With fast access to funds, you can seize seasonal opportunities, improve customer experiences, or expand your services, all while repayments adjust based on your sales. This means you pay more when business is booming and less when things slow down. Take advantage of the thriving wellness market and grow your spa with flexible funding.

FAQs About
Merchant Cash Advances for Restaurants

How much can I borrow with a Merchant Cash Advance?

You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.

What are the repayment terms for an MCA?

Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.

Can I apply if I’m a new restaurant?

Yes, you can! As long as your restaurant has been trading for at least 4 months and you have consistent card sales, you’re eligible to apply.

What fees are involved?

The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.