BEAUTY & WELLNESS FUNDING
Working capital for Hawaiʻi salons, spas and studios
Fast, flexible funding built on what your chairs and rooms actually earn — honest terms, no surprises, ever. Your revenue comes in one appointment at a time. Your costs don’t. Product arrives by the case, shipped across the ocean — and freight went up about 26% in January, with more increases scheduled each of the next three years. Rent in Honolulu doesn’t flex with your booking calendar. Wages here are among the highest in the country, and a good stylist or therapist has options. Then the power goes out for three days and you can’t wash a single head of hair. Nothing about the month’s fixed costs changes. We look at what your chairs and rooms actually earn, month over month, rather than a credit score — and we can move in days.
What owners use it for
A build-out, a new station, or a second room · Equipment — chairs, tables, lasers, sterilization · Product inventory ahead of a busy season · Payroll or guarantees through a slow stretch · Bringing on a stylist or therapist before they’re booked solid · Recovering after a closure · Buying out a partner or taking over a lease · Hair salons and barbershops · Day spas and med-spas · Nail salons · Massage and bodywork · Estheticians and skincare · Lash and brow studios · Yoga, pilates and fitness studios · Wellness practices · Where a license is required, we verify it.
Storm closure?
If a storm has shut you down, lost revenue may qualify as economic injury even without physical damage. Check the federal programs first; they may cost you less than we would.