Spa funding that's refreshing
Are you looking for a business loan for your spa? Then look no further! Whether you need funding to elevate your spa experience with new luxurious treatments, expand your presence across the UK, or manage day-to-day cash flow, we offer a tailored and rejuvenating funding solution just for you.
Works with your card sales
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Flexible repayments
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
No asset security required
The advance is unsecured, so your business assets are safe.
Fast funding
A quick decision and process mean you can access your money in just 24 hours* after approval.
No hidden costs
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply online 24/7
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
Revitalise your spa with a flexible funding solution
Spas across the UK are sanctuaries of relaxation, offering clients a place to unwind, recharge, and experience holistic treatments that promote health and well-being.
With over 3,600 spas nationwide, the industry continues to grow, fuelled by the increasing demand for health and wellness services. Staying ahead in this thriving market means continually enhancing your treatments, upgrading facilities, and delivering exceptional customer experiences. But sometimes, achieving these goals requires an extra financial boost.
Whether you’re looking to hire more therapists, renovate your treatment rooms, add new facilities like a sauna or jacuzzi, or simply need short-term funding to smooth cash flow, a business loan can help keep your spa running smoothly and growing strong.
At MLA, we help spas of all sizes access the funding they need through a Merchant Cash Advance. This flexible finance solution is designed to move with your business. Instead of fixed monthly repayments, you’ll repay a small, agreed percentage of your daily card sales, meaning you only pay back when your customers pay you.
So, whether you manage a cosy boutique spa or operate within a larger hotel or resort, we’re here to help you secure the funding to keep your business glowing.
Ready to grow your spa? Complete our quick online application today to discover how much your business could borrow.
Apply NowQuick Decision with No Obligation
Spa business loans can be used for any purpose, including:
- Cover day-to-day expenses like utilities or staff wages
- Adding new services like sauna, jacuzzi, pools, or expanding treatment rooms
- Invests in advertising and marketing campaigns to attract more clients
- Create a website with online booking system
- Hiring staff such as receptionists, massage therapists, aestheticians, nail technicians, and assistants
- Purchase of modern spa equipment and beauty products
- Funding refurbishments and rennovations to your treatent rooms
- Emergency funds to help pay for unexpected repairs and maintainance
- Investing in training and development to improve service quality
We provide advances ranging from £3,000 up to £300,000. However, the specific amount available to you will be determined by factors like your business's card turnover and affordability.
As a general guide, you can typically access up to one month’s worth of your average card sales. For example, if your spa processes £10,000 per month in card payments, you could potentially borrow around that amount, or even more in some cases.
Ready to find out how much you could borrow? Complete our application form today!
At MLA, we offer a flexible type of business loan known as a Merchant Cash Advance — designed to support spa owners like you with funding that fits around your business.
Unlike traditional loans with fixed monthly repayments, an advance is repaid through a small, agreed percentage of your daily card sales. This means your repayments automatically adjust in line with your spa’s income, meaning you pay back less during quieter months and more when business is booming.
For example, if a customer pays £100 for a spa package and your repayment rate is 10%, you’ll keep £90, and £10 will go towards repaying your advance.
It’s also unsecured, so you won’t need to offer any specific assets or property as collateral.
A spa business loan can help you upgrade treatment rooms, purchase new equipment, add wellness amenities such as saunas or hydrotherapy pools, or expand your offering by adding beauty salon services like hair treatments, manicures, pedicures and facials. It can also cover marketing, hiring staff, or managing day-to-day expenses, giving your spa the flexibility to grow and keep clients coming back.
A merchant cash advance is much faster than a traditional business loan. Approval can often be given within a day, with funds typically available in as little as 5 days, or sometimes even sooner.
The exact timing depends on having a complete application and all necessary documents ready, so being prepared helps speed up the process.
No, a business plan is not required when applying for a merchant cash advance. Instead, these advances typically focus on evaluating your business's daily credit card sales and revenue, placing less emphasis on the need for a detailed business strategy. This saves time and speeds up the process for you.
To qualify, your business must meet the following criteria:
- Be a Limited company or sole trader
- Based in the United Kingdom
- Trading for at least 3 months
- Accept card payments in-person or online
- A monthly card payment turnover of more than £3,000
Why not apply today and see if you qualify?
Quick Decision with No Obligation
"We have helped many spas across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
It's as easy as 1-2-3!
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
1
Apply online in minutes
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
2
Get funded in 24 hours*
The merchant cash advance can be with you in as little as 24 hours* after approval.
3
Repay only when you sell
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
