--- title: "Business funding for beauty & wellness — working capital for UK salons, spas & clinics" description: "How short-term business finance fits incorporated UK beauty and wellness companies — fitting out a salon, buying chairs and kit, stocking retail and professional lines, and smoothing seasonal cash flow. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/beauty/" locale: "en-GB" updated: "2026-06-21" --- # Working capital for beauty & wellness > A plain-English guide to short-term working capital for incorporated UK beauty and wellness businesses — salons, spas, clinics and studios. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## Why salons and spas run short on cash It is rarely the day-to-day takings — those tend to be steady. It is the lumps: the fit-out, the kit, the stock and the seasons. - **The space has to be paid for before it earns.** A salon or spa sells an experience, so the room has to be right first. Chairs, basins, treatment couches, mirrors, lighting, flooring, a reception and a colour bar all land as one big outlay — opening a new site or re-fitting an existing one — and the refreshed space only pays that back once clients are sitting in it. - **Chairs and kit are real money up front.** Styling stations and dryers, a wax or massage station, nail desks and lamps, a sterilising setup, or serious aesthetics technology — a laser, an IPL or a body-contouring machine — can run into thousands or tens of thousands. It earns over years, but the supplier wants paying now. - **Product stock ties up cash between seasons.** Colour, skincare, nail systems, consumables and the retail shelf are bought in before they are used or sold. Buying ahead of a peak — or in volume to hit a distributor price break — means money leaves the account weeks before it returns through the till and the chair. - **The calendar runs hot and cold.** Beauty is seasonal in a particular way: flat after Christmas, building through spring, flat out before summer, weddings and the party run-up to December. Rent, wages and stock do not dip in the quiet weeks the way takings do. ## Which finance fits a beauty business Three plain-English shapes of short-term credit. The detail and the live terms sit with the lender — see [the products](https://creditcorp.co.uk/products/). - **Business Bridging Loan** — a fixed sum into the company account for a known, time-boxed project: a salon fit-out or re-fit, a run of new styling stations, fitting out a second treatment room, or a deposit on a serious piece of equipment. - **Credicorp Flex** — a revolving facility to dip into and repay as the diary turns; draw a little after Christmas, repay as the wedding and summer season fills, paying only for what you draw. - **Credicorp Slice** — settle a chunky distributor or equipment bill in full today and repay over a few weeks for a flat fee. We don't publish rates or terms here on purpose — they live with the lender so you always see current figures. Check the live pages on [credicorp.co.uk/compare](https://credicorp.co.uk/compare/) before you apply. ## The company borrows — not you A great many salon and spa owners have been asked to put their home on the line for a fit-out loan or a kit facility. Credicorp is built differently: the agreement is between Credicorp and your **company** — the Ltd, LLP or PLC that holds the lease, the equipment and the bank account. There is **no personal guarantee**, **no charge over a home** and **no personal credit check** on a director. The company stands on its own trading position. Because Credicorp lends only to bodies corporate, it sits outside consumer credit entirely — see [creditcorpgroup.co.uk/lending-and-regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example (illustrative, not a real customer) A busy hair and beauty salon — a UK limited company with six stylists and two beauty therapists, trading well for a few years from a high-street unit — is starting to look tired, and a smarter salon has just opened two doors down. The owner plans a re-fit over a quiet fortnight in late January: new styling stations and basins, a fresh colour bar, lighting and flooring, and a second treatment room carved out of the back for facials and brows. The fit-out, the chairs and the kit all have to be paid for before the refreshed salon takes a single new booking — and January is the leanest month of the year. On paper the numbers work comfortably; in the bank account, the company is funding the whole project up front, in its quietest weeks, while a separate professional-stock order for the busier months is also due. Rather than lean on the director personally or put the home on the line, the company bridges the gap with short-term finance against its own trading position, covering the fit-out and the chairs, and repays as the spring diary fills and the new room starts earning. A single supplier bill for the colour bar is spread separately over a few weeks. Same salon, same plan — the cash was simply there when the re-fit needed it. The right product for a situation like this is set on the lender at [credicorp.co.uk](https://credicorp.co.uk/). ## Common questions **Can my salon or spa company borrow without a personal guarantee from the director?** Yes. Credicorp lends to the company — a UK limited company, LLP or PLC — not the director who signs. No personal guarantee, no charge over a home and no personal credit check on a director. **We are refitting the salon and buying new chairs and kit. Can funding cover that?** A fit-out is one of the most common reasons salons look at short-term finance — chairs, basins, couches, a laser or a new colour bar all hit at once. A Business Bridging Loan can put a known sum in for a known project, or Credicorp Slice can spread a single supplier bill. **Our trade is seasonal — quiet after Christmas, flat out before summer and party season. Does that matter?** It is exactly the pattern these products are built around. A revolving Credicorp Flex facility lets the company draw a little in the quiet weeks and repay when the diary fills, paying interest only on what is actually drawn. **Can we use this to buy professional and retail stock ahead of a busy period?** Yes. Buying colour, skincare, nail and retail lines in before a peak — or to hit a distributor price break — is a classic working-capital use. The finance bridges the gap between paying the supplier and selling through. **Are you a bank, and is this regulated consumer credit?** No. Credicorp is an exempt business lender, not a bank and not a consumer-credit firm. It lends only to bodies corporate under Article 60B of the FSMA Regulated Activities Order 2001 — business credit, not a regulated consumer credit agreement. It is not for sole traders or personal-name borrowing. **Where do I actually apply?** This site is the Creditcorp brand front door and does not take applications. Applying, drawing down and managing the account all happen on the operating lender, [credicorp.co.uk](https://credicorp.co.uk/). ## Related sectors - [Healthcare & dental](https://creditcorp.co.uk/industries/healthcare/) — spreading the cost of clinical equipment and a refit, much like an aesthetics or skin clinic. - [Fitness & leisure](https://creditcorp.co.uk/industries/fitness/) — kitting out a studio and steadying cash flow that dips and spikes with memberships and the seasons. - [Retail & shops](https://creditcorp.co.uk/industries/retail/) — buying retail and product stock ahead of a busy season and fitting out the space. See the full [industries overview](https://creditcorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).