Beauty Salon and Spa Small Business Loans

Small business owners can use loans to grow their business. You can use the funds however you wish.


Cover Expenses

Pay for any unexpected expenses that arise using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

5 Stars


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with Small Business Loans

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless of your credit, or the riskiness of your industry.


We're frequently interviewed by major media organizations.

Easy Application

All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

Beauty Salon and Spa Small Business Loans

Did you know that 60 percent of small business in the country managed to increase their average loan sizes in 2018? People are growing more optimistic about business prospects than they did in the previous years of recovery from economic recession. Just because you started small does not mean you should stay small. Loans are excellent financing options for those who would like to expand their operations exponentially. However, with the fast spinning world of commerce increasing its speed, financial experts have come up with yet another way to accelerate commercial growth for everybody: merchant cash advances.
What’s A Spa Merchant Cash Advance?
Merchant cash advances are an alternative form of business financing that enables merchants to strike deals with credit and investment firms to obtain lump sum loan amounts in exchange for a fraction of sales made up to a fixed cumulative sum of money. The repayment is done through credit and debit card turnover.
The Difference between Beauty Salon Merchant Cash Advances and Loans
When a business obtains the traditional loans that banks offer, they must remit fixed amounts of money to the lender every month until the amount is fully repaid. The repayment is made manually or through bank instruction. These arrangements, while great for expanding operations, can cause serious cash flow issues periodically if business drops. Cash advances are better than loans at preventing such cash flow issues. You only yield out little sums of money depending on the number of sales that you make. While loans are periodic, advances are not. Advances are based on taking fixed fractions of a debtor’s credit and debit card sales.
Since advances are not considered loans by law, they pose more risks to creditors. That is why the lenders make them a little bit more expensive than assured loans.
How to Qualify for Merchant Cash Advances
Most traditional loans are difficult to obtain. They feature stringent verification processes and requirements like credit scores prerequisites that do not really reflect a merchant’s repayment ability. They are also dependent on guaranteed assets. However, advances are the more available financing options because they feature more reasonable qualification requirements. The lenders just need to determine your ability to repay the advanced principal and its fixed interest. The easiest way to assess that ability is by inspecting your credit card history. If the business makes thousands of dollars in sales every month, it definitely qualifies. Your will to repay the debt is guaranteed via an automatic repayment system.
Even though merchant cash advances are pretty much the same in administration, the process is often tweaked by different lenders to guarantee individual interests. Some lenders are more trusting than others. That is why they offer some conditions that different creditors not necessarily demand.
• Some may require that your business be active for more than a fixed duration.
• Some may demand that your sales transactions hit certain thresholds.
• You must accept payments via particular credit and debit card networks.
Loans cost more or less depending on how fast you repay them. Unfortunately, you do not enjoy the liberty of paying faster for reduced interest amounts. For example, if you obtain a cash advance of 28,000 dollars and you agree to repay 34,000, you must pay all of it no matter how fast you do it. Moreover, they make financial planning a little bit harder because your repayment method is automatic and dependent on sales.
Debt is Debt
You should only take debt if your business needs it to boost profitability and to exploit fleeting opportunities. If you are already in debt, seek to repay it first before taking more debt. Merchant cash advances are types of debt.

Do you need a small business loan?

Apply now