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Hair salons & barbers · Ireland
Hair salon &
barber loans.
Upgrade the chairs, refresh the salon or keep cash flowing between busy weeks. We arrange finance for hair salons and barbers, with funding options that suit how your customers pay.
Merchant cash advance
For salons and barbers taking card payments.
- From 90 days trading
- Typically €5,000 or more in monthly card takings
- Repaid as a share of your card sales
- Quieter weeks mean smaller repayments
Salon fit-out & equipment
For chairs, wash stations, dryers and a fresh fit-out.
- Hire purchase or leasing on suitable equipment, up to 7 years
- Term loans for refurbishment and working capital
- Unsecured term loans from 12 months trading
- Flexible repayment loans from 9 months trading
Finance is subject to the lender’s assessment. Unsecured term loans require at least 12 months trading, one year’s accounts, turnover of €100,000 or more, a net profit and no recent missed payments. Flexible repayment loans require steady cash flow — around 8 or more deposits a month. Loans are not registered against property or business assets, but many lenders ask for a director’s personal guarantee.
Guides for your industry
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
Common questions
Can I finance new salon chairs and wash stations?
Yes — suitable equipment can be funded through hire purchase or leasing. For a wider refurbishment, a term loan may be a better fit. We can help you compare both options.
Do repayments change with my bookings?
A merchant cash advance is repaid as a share of card takings, so quieter weeks bring smaller repayments. A term loan has a set repayment schedule.
Can a salon under a year old apply?
A merchant cash advance may be available from 90 days trading with steady card takings. Flexible repayment lenders look from 9 months, while unsecured term loans require at least 12 months and a year’s accounts.
Free to you. Lenders pay us a commission when your loan completes. How we get paid