Hairdresser Business Loans UK
Get up to £6000 funding within 24-48 hours
Get fast, flexible funding tailored for UK hairdressers. A Merchant Cash Advance makes it easy to grow your salon, upgrade equipment, and manage cash flow without the hassle.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Hairdresser Loans
Understanding the right funding options for your salon can make a significant difference. Here are five popular loan types tailored for hairdressers.
1. Merchant Cash Advance (MCA)
Receive upfront funding based on your future card sales. Flexible repayments adjust to your salon’s cash flow, making it a perfect fit for seasonal revenue.
2. Term Loans
Ideal for large investments such as salon renovations or expansions. These loans come with fixed monthly repayments over a set period, offering structured financial planning.
3. Equipment Financing
Designed to fund or lease salon equipment like hair dryers, styling chairs, or colour mixing stations. Fixed payments make it predictable and easy to manage
4. Business Lines of Credit
Access funds as needed, up to a set limit, and pay interest only on what you use. Perfect for handling emergencies or covering operational costs like inventory.
5. Short-Term Loans
Quick funding with fixed repayment schedules, ideal for immediate expenses such as marketing campaigns, product purchases, or training courses.
Comparison Table: Types of Hairdresser Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or fluctuating revenue |
Term Loans | Weeks/months | Yes | Fixed monthly payments | Long-term investments |
Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing salon equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Operational costs or emergencies |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses |
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) provides upfront funding based on your future card sales. It’s a fast, flexible, and unsecured funding option, allowing you to access money without collateral or a perfect credit score.
How MCA Works?
With an MCA, you receive a lump sum upfront and repay it through a small percentage of your daily card sales. This ensures that during busy periods, you pay more, and during quieter months, you pay less. No fixed repayment schedules or hidden fees—just a flexible solution tailored to your salon’s revenue.
Benefits of Merchant Cash Advances for Hairdressers
Flexible Repayments
With a Merchant Cash Advance, you only pay back a small percentage of your daily card sales. No fixed monthly bills to worry about – your repayments adjust to your salon’s cash flow, making it stress-free.
Fast Access to Funds
Need cash quickly? Once approved, you can get between £3,000 and £300,000 in just 24–48 hours. Perfect for covering urgent expenses or grabbing new opportunities for your salon.
No Collateral Needed
Unlike traditional loans, there’s no need to secure this funding with your salon’s assets. Approval is based on your card sales, not your credit score, so it’s hassle-free.
Keep All Your Cash Earnings
Repayments come directly from your card sales, so your cash payments stay in your pocket to manage other salon expenses or investments.
Works with Your Current Card Machine
No need for extra equipment or changes – the MCA integrates smoothly with your existing PDQ card machine, making repayments automatic and effortless.
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 Hairdresser Loan
Flexible Financing Options for Hair Salons
The UK hair and beauty industry is the backbone of local communities, contributing over £6 billion to the economy each year. Whether you’re running a high-street salon, a cozy barber shop, or a mobile hairdressing service, keeping up with customer demands means constant investment. From upgrading styling chairs and purchasing the latest tools to training your team and enhancing the client experience, staying competitive takes time and money.
That’s where Merchant Cash Advances come in. They’re not your typical loan. Repayments are tied to your daily card sales, meaning you pay more during busy periods and less when things are quiet. It’s a simple, flexible way to manage your cash flow without the pressure of fixed monthly repayments.
At Paymentsave, we make funding straightforward. Get approved quickly, access funds in just 24-48 hours, and enjoy clear, upfront costs with no hidden fees.
Whether you’re refreshing your salon’s look, stocking up on products, or launching a new service, our Merchant Cash Advance is here to help you grow with ease.
It’s financing designed to fit the way your business works, so you can focus on what you do best – keeping your clients looking and feeling fabulous.
FAQs About Merchant Cash Advances for Hairdressers
You can borrow up to 150% of your average monthly card sales. For example, if your salon processes £10,000 per month in card payments, you could borrow up to £15,000.
Repayments are flexible and tied to your daily card sales. During busy periods, you repay more, and during slower times, you repay less.
Yes! As long as you’ve been trading for at least three months and have consistent card sales, you’re eligible.
Costs are based on a transparent factor rate with no hidden fees. All costs are explained upfront, so you’ll know exactly what to expect.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
