
Beauty salon business loans and spa finance
Beauty salon business loans fund refits, treatment equipment, stock and new sites for hair and beauty salons, barbers, nail…
How dry cleaners, launderettes and commercial laundries fund machines, solvent changes, vans and contracts, and what lenders check in this trade.
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In short
Supporting dry cleaning businesses at every stage.
Commercial laundries serving hotels or care homes can also use invoice finance. Lenders look at the age and type of machines, the solvent and environmental permit position, card takings and, for laundries, the strength of contract customers.
The operating cycle
Cash leaves the business at every stage before it comes back. Each stage below is a point where the right facility can carry the gap.
“I highly recommend this company: excellent service all round.”
Orders, contracts or customers secured.
Stock, materials and equipment paid for up front.
Asset finance →Wages and suppliers paid on time.
Working capital →The work is done or the goods are sold.
Customers pay, sometimes weeks later.
Invoice finance →VAT and Corporation Tax fall due.
HMRC loans →Growth, a new site or new equipment.
Business loans →About dry cleaning business finance
Specialist knowledge. Better outcomes.
This page is for owners of high street dry cleaners, launderettes and self-service laundries, and commercial laundries and linen hire businesses supplying hotels, restaurants, care homes, gyms and clinics. Smart Funding Solutions is a broker, not a lender: we search our panel of 300+ lenders for facilities from £10,000 to £20 million. Laundry and dry cleaning is one of the trades covered in our SME loans section.
Choose the need, and we’ll show you how lenders usually structure it.
Hire purchase (you own the machine at the end) or leasing (you rent it, with upgrade options) spreads the cost over its working life, with the machine itself as the main security. Equipment from recognised manufacturers is widely financed; see business equipment financing.
Unsecured loans suit refits and smaller purchases, usually with a director's personal guarantee. Buying a business or premises may need a secured loan, typically alongside your own deposit.
For counter and vended businesses taking most payments by card, a merchant cash advance repays as a share of card takings, so repayments ease in quiet weeks. Compare the total repayable with a term loan before choosing it.
Commercial laundries billing hotels, restaurants and care homes on 30 or 60-day terms can release cash from unpaid invoices with invoice finance, which helps when seasonal volumes rise and wages and utilities climb before customers pay.
A revolving facility lets you draw for a quiet month or a major repair and repay when trade picks up, paying interest only on what is used.
All three are capital-heavy for their size. A dry cleaning machine, washer-extractors, tumble dryers, finishing and pressing equipment, a flatwork ironer or a steam boiler can each cost more than a year's profit, which is why equipment finance sits at the centre of most deals in this trade.
Dry cleaners using solvents need an environmental permit from their local council, which sets limits on solvent consumption and emissions and requires records and maintenance. Defra's process guidance note for dry cleaning describes what councils expect, and councils charge fees for solvent emission permits. Changing machines or solvent can mean varying the permit, so speak to the council before ordering. Lenders and buyers of a business will ask to see the permit and recent inspection records.
Machinery costs are fixed while takings move with the seasons, so build a reserve in busy months, keep consumable stock lean and arrange facilities before the slow period rather than during it. Adding services such as alterations, curtain and duvet cleaning or business accounts smooths the year. Utility costs can wipe out the benefit of a cheaper used machine, and a solvent change made without checking the permit can cause compliance trouble. A personal guarantee is common on unsecured borrowing, so understand what you are signing.
turnover, profit and the seasonal pattern in bank and card statements.
what is being replaced, what remains, and the service history.
a valid permit and no outstanding enforcement issues.
for commercial laundries, who the customers are, contract length and concentration on one hotel group.
lease length, landlord consent for plant and ventilation, and drainage and gas supply.
existing debts against cash flow, including utilities, which are a large and volatile cost.
A commercial laundry is a small factory, and lenders read it as one: plant, energy and throughput.
Steam boilers, compressors and pressure vessels need a written scheme of examination and periodic inspection by a competent person. Lenders funding new plant or buying a laundry ask for the inspection reports; see HSE guidance on pressure systems.
Laundries that rent out sheets, towels and workwear own large textile stocks that wear out and go missing. Lenders rarely advance against linen, so replacing it has to come from cash flow, and they check the budget allows for it.
Gas, electricity and water are among the largest costs. Lenders look at whether contracts with hotels, care homes and healthcare customers allow price rises to be passed on.
A plant running a single shift has spare capacity that new contracts can fill without new machines. Lenders ask about utilisation before funding extra kit.
| Factor | New machine | Used machine |
|---|---|---|
| Upfront cost | Higher | Lower |
| Finance availability | Widely financed | Possible from dealers, depending on age, make and history |
| Running costs | Usually more efficient on energy, water and solvent | Can cost more in repairs and consumption |
| Compliance | Built to current emission standards | Check it meets your permit conditions |
| Warranty | Manufacturer warranty | Limited, unless from an approved dealer |
Lenders will want a quote or invoice with the model and serial number, and for second-hand equipment its age and the seller's details. Our page on used equipment finance explains how lenders assess older kit.
It is free to enquire; any broker fee is disclosed separately before you proceed. Commercial laundries serving hospitality may also find hospitality business loans useful for understanding their customers' cycle.
Yes, though options are narrower than for an established business. Lenders want a business plan, cash flow forecasts, machine quotes, evidence of trade experience and good personal credit. Asset finance can fund the machines, and our page on start-up business loans covers the rest.
Some lenders fund acquisitions with a term loan, sometimes secured on property, alongside your own contribution. They will review the accounts, the age of the machines, the permit, the lease and your experience. See acquisition finance.
The products are similar, but lenders assess the owner personally. Borrowing of £25,000 or less by sole traders and small partnerships can be regulated consumer credit, which brings additional protections. See sole trader loans.
Yes, dry cleaning business finance can fund a switch from a perchloroethylene machine to hydrocarbon or wet-cleaning equipment, usually through hire purchase or leasing secured on the new machine. Lenders look at your takings, existing finance and the supplier quote, including installation. Check any permit implications before you commit. The government's dry cleaning process guidance sets out the solvent rules.
It can be possible, but expect a larger deposit, a shorter term or higher costs. Asset finance on machines is secured on the equipment, and a merchant cash advance is assessed largely on card takings, so both can be easier than an unsecured loan. Lenders still review credit history and want past issues explained. Our guide to bad credit asset finance covers what lenders consider.
Instant Quotes shows which lenders on our panel are likely to fit your business, with no credit search. Machine finance is then confirmed once the lender has the equipment details and price.

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What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
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