Business Loans for Spas

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

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 existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

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 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

Apply Now

Quick Decision with No Obligation

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Revitalise your spa with a flexible funding solution

Spas across the UK are havens for rejuvenation, offering an escape from the hustle and bustle of daily life and providing a space where individuals can relax, unwind and experience a range of health and well-being holistic treatments all in one place.

With over 3,671 spas scattered across the country, this industry is experiencing growth, fuelled by the rising demand for health and wellness services. Keeping up with this demand is crucial to staying ahead of competitors and delivering the best treatment services to meet your customer needs. But sometimes businesses may need a financial boost to meet these demands.

Whether your spa needs funding to hire more staff, renovate treatment rooms or expand services, like adding a sauna or a jacuzzi pool, or if you just need short-term financing to cover operational expenses, a business loan could be the solution to rejuvenate your spa's offerings.

At MLA, we can help spas of all sizes raise the money you need with a business cash advance. This type of business loan is a perfect fit for spas seeking flexible funding without the burden of fixed monthly repayments or strict terms. Unlike traditional loans, it allows you to repay based on a small percentage of your daily card revenue, meaning you only pay back when your customers pay you.

Ready to grow your spa? Whether you run a small, cosy massage treatment room or are part of a larger establishment within a hotel, we're here to support your financial needs. Start by filling out our quick online application today and discover how much your business could borrow.

Apply Now

Quick Decision with No Obligation

Massage therapist treating customer to facial in an independent spa business

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.

Typically, you can borrow up to one month's worth of your card revenue. For example, if you proccess £10,000 a month on card, you could borrow up to that amount, or more in certain instances.

Ready to see how much you could borrow? Complete our application form today!

We offer a type of business loan called a merchant cash advance which differs from a traditional loan in its repayment method. Unlike loans with fixed monthly payments, cash advances involve repaying a portion of your daily credit card sales towards the advance.

This flexibility ensures that you repay only when your customers make payments to you. Repayments align with the seasonal ebbs and flows your spa encounters - during quieter trading months, you pay back less, however, during peak times your pay back faster.

For example, when a customer pays £100 for a spa package using a card, and an agreement is in place to repay 10% of the card revenue to the lender, you'd retain £90 while the remaining £10 goes towards repaying the advance.

This type of funding is unsecured too which eliminates the need to provide specific collateral.

The funds can be used for various business purposes, including upgrading spa equipment, expanding facilities, launching new services, advertising and marketing campaigns, hiring staff, or managing daily expenses.

A merchant cash advance is known for its speed compared to traditional business loans. Generally, approval can be made within a day, and funding may occur within 5 days or even sooner in some instances.

However, factors such as the completeness of your application and having the required documentation at hand can influence the speed with which you obtain the advance.

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?

Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many spas across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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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.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


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.

Apply Now

Quick Decision with No Obligation

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