Capital for hair salons, med spas, nail studios, lash & brow studios, barbershops, and wellness brands.
$135B U.S. beauty & personal care market — recurring service revenue grows 15%+ annually
Your top stylist just gave notice — she's opening her own studio across the street. She's taking 3 booths and a $14K/month book of business with her. You have one chance to retain the other senior stylists with sign-on bonuses and commission upgrades — but that's $22K out of pocket this week.
Working capital lets you offer two senior stylists $8K sign-on bonuses and a 5% commission bump. They stay. You also hire two new providers from a competing salon. Six months later, you're up 22% revenue, the departing stylist's new shop is struggling, and your brand has a stronger team than ever.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
Three stylists left at once. You're suddenly carrying 40% empty chairs and the lease doesn't care. Cash flow swings 60% month to month.
The new laser would 3× your service menu — but it's $145K. The IPL is $52K. Without it, clients book elsewhere.
Plumbing, ventilation, fixtures, signage — $180K minimum for a real salon space. Lease the space and you'll be operating from cash for 6+ months.
Color line, retail product, back-bar consumables — $30K–$50K of working capital tied up in inventory at any time.
Local salon chains have $100K/month ad budgets. You're competing on Instagram with $400/month. Capital to actually run real local SEO, paid social, and influencer campaigns.
This is what salons & spas owners do with Pincutt funding — and what you'd do too.
Equipment financing — own the machine, charge $300/treatment, pay it off in 18 months.
SBA 7(a) for build-out, lease deposits, equipment, and 6 months of operating reserves.
Sign-on bonuses, commission floats, training — capital to actually compete for the best talent.
Buy your color line and retail product at distributor pricing, not 1-bottle pricing.
Local SEO, paid social, influencer partnerships — funded so you stop competing on a $400/month budget.