Cosmetics & Beauty Inventory Financing

Do you sell a physical product with sales over $150,000?

Are you a cosmetic store or beauty salon looking to obtain financing? Even the most successful of salons can reach a time when extra financing is needed. From updating your point of sale system to opening a new location, cosmetic and beauty financing can help you reach your next set of business goals.

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Why choose Kickfurther for Cosmetics & Beauty Financing?

Don’t pay until
you sell.

Your payment obligation only begins once your sales are made. This alleviates the cash-flow pinch that lenders cause without customized repayment schedules. Free up capital to invest in scaling your business without impeding your ability to maintain inventory

30% cheaper

Know your rates. When you compare ours, you’ll often see that you’re saving. We cost less than factoring, PO financing, and many lenders. We also have higher limits than competitors.

Fund up to $1 million
in an hour.

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity.

It’s easy, it works, &
it grows with you.

Companies access higher funding limits and often get lower rates as they return to Kickfurther, creating a scalable solution that grows alongside your company.

“Tough Times Call For Creative Funding — Check Out
Kickfurther’s Clever Model”

Join 800+ Kickfurther success stories

Cosmetics & Beauty Financing Options

Cosmetics & Beauty Financing

Falling under the retail category of personal care services, salons and cosmetics retailers can qualify for a number of types of funding. Each designed with demands of operating a cosmetic or beauty company, financing can vary from cash advances to traditional bank loans. It simply depends on your financial situation.

Before you begin any application, it’s a great idea to make sure you know the latest in cosmetic and beauty financing rates. It’s also important that you understand the way each option works. When you go into negotiations with knowledge in your pocket, you’ll find a beauty salon loan that’s affordable and can be used to get you further ahead. 

What is cosmetics & beauty financing?

Among other types of businesses, cosmetic and beauty loans can be used to finance salons, massage establishments, and day spas. Created with growing businesses in mind, cosmetic and beauty financing is catered to the special needs of running a personal care service operation.

Several different types of beauty financing can allow you to purchase new equipment, tackle renovations, hire new employees, finance inventory, and so much more. From traditional bank loans to inventory financing, there are a variety of loan types and lenders that can assist with cosmetic and beauty financing.

How does financing for the cosmetic and beauty industry work?

Makeup business financing will work differently depending on the type of loan you are getting, but generally, a few basic principles will apply.
First, you will need to qualify for the loan. Approval may be based on your business history and credit score, but in other cases, you may be able to use inventory as collateral.

Once the loan is approved, it will need to be paid back with interest on a daily, weekly, or monthly basis. Some may have more flexible payback terms than others.

Whether you are applying for a loan or funding, you will typically need to submit information and financials about your business. Each bank and platform will have it’s own protocol. It can be helpful to familiarize yourself with them before applying so that you can be more prepared.

How do inventory loans help the cosmetic and beauty businesses?

Beauty and Cosmetic businesses are often eligible for inventory funding. The struggle is usually encountered when they find out the cost of inventory funding. Luckily, companies such as Kickfurther, can help cosmetic and beauty businesses that sell physical products or non-perishable consumables find affordable inventory funding. 

Inventory funding can help your business improve cash flow while ensuring you have a healthy supply of inventory. Kickfurther offers customized repayment schedules which allows business owners to scale their brand quickly without impeding the flexibility to maintain inventory or financial flexibility.

Uses of cosmetic store financing

Cosmetic business financing can be used for a variety of purposes such as:

Inventory Loans: Inventory loans are used to finance the inventory a retail store is selling. This may include lipsticks, eye shadows, mascaras, skincare products, foundations and more.

Marketing: A cosmetics company will need to create a strong marketing campaign to be competitive. Funding may cover things like marketing software, marketing materials like business cards and postcards, web design, an online advertising budget and payroll for a marketing team.

Cosmetic Store Expansions and Renovations: It’s important for a cosmetics store to look attractive. Financing can be used to create a sleek store design. It can also be used for expansions, renovations and repairs that may be necessary as the company grows.

Technology Upgrades: Technology is a necessary part of every business. A cosmetics company may use the money they are loaned to invest in technology like POS systems, marketing analytics or the equipment they need to make top of the line products.

Staffing: Payroll is a major expense for any company. Cosmetic business financing can help pay for a marketing team, a sales staff, lab workers, an administrative team and more.

Which type of cosmetics business needs financing?

There are many types of cosmetics businesses that may need financing. These include the following:

Makeup Manufacturers: These are companies that manufacture cosmetic products. The products are usually sold to other businesses, but they may also be sold directly to customers.

Makeup Retail Stores: Make up retail stores sell cosmetics products directly to customers. They may specialize in one brand or product, or they may sell various brands and products. They may do their business online, or they may have brick and mortar locations.

Cosmetic Procedures: There are also companies that offer cosmetic procedures including peels, Botox, plastic surgery and more.

Skincare Companies: With the demand for all natural products on the rise, skin care companies are always trying to innovate new formulas and produce successful products. They often need to stock plenty of inventory so they may need funding.

Hair Care Companies: We all want silky smooth and long hair. Our medicine cabinets are almost always overflowing with hair care products we tried. Since everyone’s hair is different there is a demand for a variety of hair care products. Everything from shampoos and conditioners to hair straightening products can get funding.

Below we will feature some cosmetic businesses that received the funding they needed through Kickfurther.

Types of cosmetic industry financing options

No matter what sort of cosmetic industry loan you need to better your current financial situation, there are plenty of options. Once you identify your needs, you’re already a step ahead of the game. Depending on the reason you need financing, each of these lending types is worth considering:

Bank Loans: Banks offer cosmetic business funding. However, they typically come with a rigorous approval process. It can also take a month or two for bank loans to get funded.

SBA Loans: The Small Business Administration (SBA) also offers loans to get businesses off the ground. They have a variety of short- and long-term loans available. Like banks, SBA loans also come with a rigorous approval process. However, they offer more forgiveness if the company defaults on the loan.

LOC: A line of credit loan (LOC) is a certain amount of money made available to the company that can be tapped into as needed. It is typically used to cover emergency expenses like price hikes and repairs. Interest is charged immediately, and the amount borrowed can be paid back right away or over time.

Cash Advance: A cash advance works like a credit card. The business is provided with a card that can be used to withdraw money up to a certain limit. The money will need to be paid back with interest.

Inventory Financing: An inventory financing loan must be used specifically to buy inventory. The inventory is used as collateral, so credit scores and business history are not taken into consideration. However, the inventory can be lost if the company defaults on the loan. An alternative to inventory financing is inventory funding which may be cheaper and much easier to secure.

Alternative Lending: Alternative lending is an umbrella term for any kind of loan that uses a lender other than a conventional financial institution like a bank or credit union.

Pros & Cons of Financing for the Beauty & Cosmetics Industry

Whether you are a supplier for cosmetic and beauty stores or you own a beauty or cosmetic store, you may need to consider financing. Of course borrowing money means taking on debt. But, if you are able to leverage the debt and use it to increase profits, it can be deemed good debt. Here are some of the pros and cons of beauty and cosmetic financing.


  • Grow your business
  • Improve cash flow 
  • Eliminate late payments 
  • Stock more inventory 
  • Invest in systems that can benefit your business
  • Upgrade equipment 
  • Improve customer satisfaction


  • Committing to a monthly payment or repayment term 
  • Taking on debt
  • Interest and other fees
  • Time investment to apply and manage financing

Can cosmetic stores and beauty salons obtain financing?

Cosmetic stores and beauty salons can obtain financing. Whether you need to finance inventory or borrow a lump sum to improve cash flow, there are a variety of options available. First, you should analyze your business plan and envision your vision. What do you need to borrow the money for? Once you know what you need to borrow money for you can start to explore financing options. Some will cover specific expenses or investments while others will offer a lump sum of cash for a variety of expenses. 

How much does it cost to start a cosmetic business?

The amount it costs to start a cosmetic business varies depending on the type of makeup business you are starting and how big you want it to be. Here are some expenses to consider:

  • Product Development: Approximately $5000 for single product
  • Business Expenses: At least $2000
  • Marketing and Sales: $500 and up

Is it difficult to get financing for beauty business startups?

While it can initially be difficult to obtain a beauty startup loan, there are many types of alternative funding for cosmetic and beauty establishments. The SBA offers loans meant for this purpose, and you can also think outside of the box. Many have had success using things like grants and crowdfunding initiatives. As an online business or new business, you may have a harder time securing affordable funding. That us until you discover, Kickfurther. Kickfurther is the world’s first online inventory funding platform that enables companies to access funds that they are unable to acquire through traditional sources. At the end of each of your sales periods, you’ll submit sales reports to Kickfurther. You will only be required to pay for what you’ve sold during the period you are reporting on. Kickfurther can help you secure inventory funding for up to 30% cheaper than other options.

Which type of loan is best for cosmetic and beauty-based businesses?

Cosmetic and beauty lending doesn’t have a one size fits all lending solution. The type of beauty loan that is right for your business will depend on your needs. Ranging from marketing campaigns to collecting outstanding debts, the perfect loan for your business is the loan that will help you grow. Lenders understand that each beauty business is unique.

What credit score do I need to qualify for cosmetic business financing?

Credit score requirements can vary depending on the lender. In most cases you will need a good credit score to qualify for cosmetic business financing. Most lenders will take several factors into consideration to determine if you qualify for financing.

How can a cosmetics and beauty based business qualify for financing?

For starters, you’ll probably need to submit an application to the lender or company of your choice. Prior to submitting the application you will need to decide what type of financing you want to apply for and who to apply with. Once you know who you wish to apply with, you should find out what they require. In most cases, you will need to provide financial statements, a business plan, and authorize a credit check. For inventory financing, you will probably need to provide sales reports.

How do I get funding for my cosmetics based business?

The application process for cosmetic business funding can be different depending on the type of loan you are applying for. It’s advisable to determine which loan and lender is right for you. The lender will let you know what’s required to begin the application process.  If you need inventory funding, you should use Kickfurther. At Kickfurther you can get funded within minutes. Here’s how to get started:

  • Create a free business account
  • Complete the application online
  • Review a potential deal with one of our account reps 
  • Get funded in minutes (funding times may vary)

How inventory financing with Kickfurther can help business growth and expansion

Small businesses are so deserving of an opportunity that allows them to grow. In some cases, funding is that opportunity. Unfortunately, funding costs can often detour business owners from financing. As a result, their growth remains stagnant and or eventually they fail. 

Founded by an entrepreneur that once struggled to find affordable inventory funding, Kickfurther is committed to creating opportunities for business owners and entrepreneurs. Compared to other options, Kikfurther can offer inventory funding that is up to 30% cheaper than other options. While Kickfurther has an average funding rate of $80,000, you can secure funding up to $1MM to manufacture new inventory or get reimbursed for current stock through Kickfurther. In addition, you will only repay when you start making sales.

If the time has come for you to make a deeper investment into your cosmetic or beauty business through funding, there are many options for you to explore. Regardless of the set of needs you want to fulfill so that you can reach the next level, there are lending programs for beauty that are tailored to your specific needs.

The need to update, renovate, or expand your existing space can pop up at any time. Fortunately, beauty and cosmetic funding is there to fill in the gap. With the right funding, you’ll see your profit increase and your reputation soar. Once you weigh the pros and cons of cosmetic and beauty funding, you’ll be ready to apply on Kickfurther.

Kickfurther success stories: Featured cosmetic business co-ops

#1. Jersey Shore Cosmetics, LLC

Jersey Shore Cosmetics specializes in cosmetic and skincare products that are safe and free of petrochemicals, parabens, and toxins. Their products are made of essential oils, natural fragrances, plants and botanicals, and no artificial colors. They never test on animals and always use recyclable packaging. Their product line features Jersey Kids All Natural Sunscreen, a top-rated sunscreen for kids that is baby safe. It also features All Natural Alcohol-free Bug Spray. During a recent co-op with Kickfurther for Jersey Shore Spa Moisture Rich Hydrating Balms they raised $51,813.47 in 8.2 months representing a 19.21% annualized co-op profit margin.

#2. 365 Sun LLC

365 Sun specializes in hair straightening and hair repair treatments. Currently, their products are offered in the USA and used on a personal and professional level. While COVID may have presented a little speedbump for this company, Kickfurther helped them get back on their feet.They have raised $44,594 in 5.8 months.

#3. LuMesh Cosmetics Inc.

LuMesh Cosmetics is focused on providing an assortment of multifunctional products and techniques that can help women worldwide look flawless in 5 minutes or less. Their product line features Ultra Volumizing and Lengthening Mascara, a primer and mascara all in 1. This product is vegan, paraben free, sulfate free, animal cruelty free, and phtalates free. It can deliver amazing results that are long-lasting, even after the product is off your skin. Kickfurther has helped LuMesh Cosmetics raise $10,546.63 in 7 months representing a 32.22 annualized co-op profit margin.

#4. Beauty For Real

Beauty For Real produces clean, cruelty-free formula hi-def mascara that is packaged to go along on all of lifes adventures, planned or unplanned. With a target for customer attitude, not age, Beauty For Real appeals to novice and beauty experts. Beauty For Real’s hi-def mascara can be purchased directly through their site or Amazon. As a result of its recent feature in Ipsy’s Glam Bag, the product sold out immediately and reached 10x sales from previous months. In their most recent co-op with Kickfurther, Beauty For Real raised $32,425.

#5. Alleyoop

Alleyoop is an award-winning beauty brand best known for its easy to use and compact makeup products. Can you imagine carrying 3 shades of blush in one small compact? Alleyoop can. Alleyoop is differentiates by using 51.9% less raw materials to manufacture products compared to traditional products in the markets.  The company started as a power couple and has grown to a team of 20 and counting. In their most recent co-op with Kickfurther, Alleyoop raised $199,999.80.

Interested in getting funded on Kickfurther?

​​If you are thinking of starting a cosmetics company, cosmetics business financing can grow your business. Now that you know the options that are available, you can make an educated decision on the path you want to take. We wish you the best of luck with your venture.

Take your cosmetic business to the next level. . . apply for inventory funding today!

How does Cosmetics & Beauty Financing Work?

Connect with consumers across the United States to get your
inventory funded via our marketplace

Create your online account

Create a business account, upload your business information, and launch your deal

Get funded within minutes to hours

Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.

Control your payment schedule

We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.

Complete and repeat!

Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.

Other Industries

We fund inventory for direct-to-

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How does Cosmetics and Beauty financing with Kickfurther work?

Brands can access funding for their cosmetics and beauty products from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Your funding for your purchase order goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.

What are the minimum requirements to qualify for cosmetics and beauty financing?

  • Kickfurther works with cosmetic and beauty brands once they’ve reached at least $150,000 or more in trailing 12 months revenue. You do not need to be in business for 12 months, or have revenue in 12 consecutive months, but we review a snapshot of revenue across a period up to 12 months.
  • As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.

How can I create a Kickfurther co-op for my Cosmetic and Beauty brand?

  • Launching a Co-Op for your cosmetics and beauty brand involves 3 key steps:
    • Create a basic profile including information about your business and product line. Once you’ve done this you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
    • Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
    • Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.

How fast will I get funded?

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity