Beauty Salon and Spa Small Business Loans

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

High LTV

We fund loans up to 80-90% LTV with no issues.


We promise to treat you like a partner.

No $ Limit

No limits on what we can do for you.

Recently Funded Projects

Residential Refinance
Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

8.99 %
100% Funded!
Residential Investment
Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

11 %
100% Funded!
Residential Investment
Residential Investment

Property in New York was torn down, and redeveloped. We provided a 60% LTV loan for $700k. We charged no upfront fees, and had a balloon payment after 10 months.

9.0 %
100% Funded!

Hear from people we’ve helped

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

- Leo kovacz

Industries We Service

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:

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.

It’s Simple

  • 1 Tell us what you need
  • 2 We'll evaluate it
  • 3 We'll offer our terms

Get pre-qualified

  • We guarantee you funding
  • Risk free to you, no strings
Get pre-qualified today