Pedicure spa chairs are heavy, plumbed and expensive to install — which is exactly why most salons fund them rather than buying outright.
Whole-of-market — 60+ lenders searched, including
Yes, pedicure spa chairs can be financed, usually as a bank of chairs rather than one. They sit awkwardly for funders: the chairs themselves have modest resale value, but once plumbed and wired into a leased shop they behave as fixtures, and no funder realistically lifts them back out. Agreements are therefore written on the salon’s trading strength with a personal guarantee. Used chairs from trade suppliers are fundable. The detail that catches owners out is the landlord — drainage and waste connections often need consent, and some funders want confirmation the landlord will not claim the chairs.
Used kit: Yes, used pedicure chairs are fundable through established trade suppliers, but private resales and imported units without warranty support are usually declined.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
This is one of the clearest soft asset and fixture problems in the sector, and it is worth being blunt about it. A pedicure spa chair that has been plumbed into a shopfront is, in practical terms, unrecoverable — disconnection, making good and transport swallow any resale. Funders know that, so they are lending against the salon’s cash generation and the director, not the chairs. Expect a personal guarantee and expect the trading record to carry the file. Where the premises are leased, which is almost always, the landlord question can surface: some funders will ask for a waiver confirming they will not treat the installed chairs as part of the building. New-start nail bars are among the hardest cases in this sector and should be approached with realistic expectations from day one.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Gharieni Pedi Spa chair | Plumbing free pedicure spa chair |
| Gharieni Spa Pedi Lounge | Luxury pedicure lounge chair |
| Lemi pedicure spa chairs | Italian pedicure spa seating |
| Gulfstream La Fleur 4 | Pipeless pedicure spa chair |
| Gulfstream Camellia 3 pedicure spa | Salon pedicure spa unit |
| Continuum Echo LE pedicure spa | Pipeless pedicure chair |
| Continuum Simplicity Plus | Compact pedicure spa chair |
| J & A Cleo AX pedicure spa | Pedicure spa with massage chair |
| REM pedicure units | British-built pedicure seating |
| Nilo pedicure stations | Pedicure chair and therapist stool |
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Typically a nail salon owner fitting out a new shop, where four to six pedicure stations go in at once and the plumbing works are booked alongside. The other common case is a salon replacing pipeless chairs after years of service, often prompted by a hygiene upgrade or a rebrand. Owners adding pedicure to an existing manicure-only business make up the rest.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
It is a short letter in which the landlord confirms they will not claim financed equipment as part of the building. Funders ask for it where items are plumbed or bolted in and could otherwise be argued to be fixtures. Not every funder requires one, but it is sensible to raise it with your landlord early rather than late.
Sometimes, where the supplier invoices installation as part of the package. Keep in mind that pipework and drainage have zero recovery value, so a funder is effectively lending unsecured against that portion. Packages weighted heavily towards installation rather than equipment attract more questions and a narrower choice of funder.
Not for funding purposes — the credit decision is the same. Pipeless designs matter commercially because they are easier to clean and reduce hygiene risk, which some salons find helps with local authority expectations. Funders assess the salon, not the basin technology, so choose on operational grounds.
Be prepared for a difficult conversation. A start-up nail bar has no trading record, and the assets would be unrecoverable if it failed, so most funders decline. What can work is a director with strong personal credit, relevant experience, a signed lease and a contribution to the cost. We would rather tell you that upfront than waste searches.
Yes, and bundling usually improves the outcome by bringing the total to a workable level. Extraction systems, nail desks, UV lamps and stock storage can all sit on one schedule. Make sure the supplier quotation itemises everything, because funders want to see exactly what the advance is covering.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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A decline from one lender reflects that lender’s appetite, not the whole market’s.