poppyfinance

Loans for hair, beauty and nail salons.

New chairs, a salon refit, a product restock or a tax bill that landed at the wrong time. Short-term loans for salons, barbers, day spas and beauty clinics.

Check eligibility Estimate repayments

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check.

What salons borrow for

  • Fit-outs: new stations, basins, lighting and a front-of-house refresh
  • Equipment: chairs, laser and skin equipment, and treatment beds
  • Product stock: retail and back-bar stock at a bulk price
  • Expansion: an extra room, a second salon or a new service
  • Tax bills: paying a BAS on time. See loans for ATO tax debt.

Assessed on your takings

Most salon income comes through card payments, which makes it easy for us to see from your bank data. Sole traders, partnerships and companies can all apply, including businesses where stylists rent chairs.

How it works

  1. Check eligibility. Tell us about your business in a 3-minute form. No documents and no credit check at this stage.
  2. Connect your bank. Share read-only business bank data through a secure link, so we can see how you actually trade.
  3. Review your offer. You get one summary: the loan amount, the term, your weekly repayment and the total to repay, including all fees.
  4. Get the funds. Sign online and the money is paid to your business account.

Who can apply

  • A registered business in Australia (with an ABN) or New Zealand (with an NZBN)
  • Trading for 6 months or more
  • Around $10,000 or more in monthly sales
  • A business bank account with regular deposits we can see
  • The loan is for a business purpose, not personal or household spending
Illustrative example · Gold Coast salon How a salon could pay a larger-than-expected BAS on time A $25,000 loan over 9 months, repaid at $769 a week. See the example →

Common questions

Can a sole trader salon owner get a loan?
Do you lend to barbers and nail salons?

Yes, along with hair salons, beauty clinics and day spas.

Can I borrow for a salon refit?

Yes. Fit-outs and equipment are common reasons salons borrow.

Related

Loans for ATO tax debtPay a BAS or tax bill on time. Sole trader loansFor businesses run under your own ABN. Business loans Gold CoastShort-term loans for Gold Coast businesses. Equipment loansMachinery, tools, vehicles and technology.

See what your business could borrow

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check and doesn’t commit you to anything.

Check eligibility Estimate repayments