01
Velora Capital
Funding without giving up a share.
- No interest, no equity, no collateral
- Repaid in services, capped at a share of revenue
- For renovation, equipment, expansion or a new location
Beauty network · Miami · New York · Dubai
We fund beauty salons. Their clients get 20% back.
Funding with no interest and no equity, repaid in services, not cash. Software that runs your salon. An app where your clients earn on every visit.
$25,000
Estimated funding
up to $37,500
Indicative estimate. Subject to eligibility and approval.
- No equity. No interest. No collateral.
- Repaid in services
- Built for salons in Miami, New York and Dubai
The problem
Growing a salon shouldn't mean giving it away.
Every independent salon hits the same walls. Velora is built to take them down one by one.
- 01
Loans that cost too much
Banks want collateral, a long history and a monthly payment that doesn't care that March was slow.
- 02
Investors who want a share
Equity money costs you a piece of the business you built. Forever.
- 03
Empty chairs
A quiet Tuesday morning still pays full rent and full salaries.
- 04
Clients who don't come back
A first visit is expensive to win and easy to lose without a reason to return.
- 05
No time for marketing
Between clients, stock and staff, campaigns are the first thing to slip.
- 06
Hiring is hard
Good masters are scarce, and every gap in the schedule is revenue you never see.
One partner, three pillars
Capital, clients and software that work as one system.
02
Velora clients
Clients who come back.
- Clients earn up to 20% back in Velora credit
- Their credit brings them back into the network
- Quiet hours fill up through last-minute slots
03
Salon OS
Software that runs the business.
- Booking, CRM, POS and payments
- Automated win-backs and AI-written campaigns
- City benchmarks, hiring and group buys
How it works
Four steps from application to a salon that pays for its own growth.
- 01
Apply in 10 minutes
Tell us about your salon, your revenue and what you want to build. No documents for the first step.
- 02
Get funded
After review and approval, you receive funding and agree a fixed amount of service credit, for example 1.5x the funding.
- 03
Velora clients visit
Clients book your open slots through the app and pay Velora. You serve them exactly as you serve everyone else.
- 04
Credit repays itself
Each visit redeems part of the credit, never more than 15% of your monthly revenue. At zero, you keep the clients and the software.
Subject to eligibility and approval.
Funding calculator
How much can your salon get?
Set your average monthly revenue. The estimate updates instantly, and every formula is shown below it.
Last 6 months, all services
$8,000$160,000
Anywhere in your estimated range
+How we calculate
- Range = revenue × 0.5x to 1.5x
- Service credit = amount × 1.5x
- Monthly cap = revenue × 15%
- Period = service credit ÷ monthly cap
Your estimate
- Estimated funding range
- $12,500 to $37,500
- Service credit to repay
- $37,500
- 1.5x of $25,000, repaid in services
- Maximum monthly redemption
- $3,750
- 15% of monthly revenue, never more
- Estimated repayment period
- 10 months
- If Velora clients redeem the full cap every month. Quieter months simply extend the period.
This is an indicative estimate, not an offer. Actual funding, multiple and cap depend on a review of your salon. All funding is subject to eligibility and approval.
Compare
Velora vs the usual ways to fund a salon
Same goal, very different price. Here is what each option asks of you.
| What it asks of you | Velora Capital | Bank loan | Investor equity | Merchant cash advance |
|---|---|---|---|---|
| Share of your business | None | None | A share of the business, usually for good | None |
| Interest | None. A fixed service credit multiple | Yes, plus fees | None, but profits are shared | A fixed fee on top of the advance |
| Collateral | None | Usually, often with a personal guarantee | None | Your future card sales |
| How you repay | In services, to Velora clients | Fixed monthly cash payments | Dividends or a sale of the business | A daily cut of card sales |
| Cash flow impact | Capped at 15% of revenue, no cash leaves the salon | Same payment even in a slow month | No payments, but less ownership and control | Daily deductions from your takings |
| What else you get | New clients, Salon OS and the network | None | Advice and connections, sometimes | None |
Velora Capital
- Share of your business
- None
- Interest
- None. A fixed service credit multiple
- Collateral
- None
- How you repay
- In services, to Velora clients
- Cash flow impact
- Capped at 15% of revenue, no cash leaves the salon
- What else you get
- New clients, Salon OS and the network
Bank loan
- Share of your business
- None
- Interest
- Yes, plus fees
- Collateral
- Usually, often with a personal guarantee
- How you repay
- Fixed monthly cash payments
- Cash flow impact
- Same payment even in a slow month
- What else you get
- None
Investor equity
- Share of your business
- A share of the business, usually for good
- Interest
- None, but profits are shared
- Collateral
- None
- How you repay
- Dividends or a sale of the business
- Cash flow impact
- No payments, but less ownership and control
- What else you get
- Advice and connections, sometimes
Merchant cash advance
- Share of your business
- None
- Interest
- A fixed fee on top of the advance
- Collateral
- Your future card sales
- How you repay
- A daily cut of card sales
- Cash flow impact
- Daily deductions from your takings
- What else you get
- None
General characteristics of each option. Terms vary by provider. Velora Capital is subject to eligibility and approval.
For clients
The best salons in your city. 20% back on every visit.
Book and pay in the Velora app. Up to 20% comes back as Velora credit you can spend at any salon in the network.
Up to 20% back
Credit lands in your wallet the moment you pay for a visit in the app.
One credit, every salon
Earn at your hairdresser, spend it on your nails.
Pay $200, get $250
Prepaid packs for the treatments you book every month.
Gift cards for the whole network
One gift that works at every partner salon.
Velora Pass
Priority slots, member packs and birthday credit.
Last-minute slots
An extra 5% back when you take a free hour today.
Salon OS
Everything your salon runs on, in one place.
Free for funded salons during repayment. Here is what you get from day one.
Booking and calendar, no double-bookings
Online booking around the clock, master schedules, client reminders and deposits against no-shows. Free gaps become last-minute slots in the app in one tap.
Learn moreFounding Partner Program
The first salons in each city get the best terms we'll ever offer.
We're forming a limited first cohort in Miami, New York and Dubai. Founding partners shape the product with us and get terms that later salons won't.
Miami
25 of 25 spots open
New York
25 of 25 spots open
Dubai
20 of 20 spots open
1.35x service credit multiple
Instead of the standard 1.5x. Less credit to repay on the same funding.
Salon OS Pro free for 12 months
The full system, even if you repay sooner.
Priority placement in the app
Top of search and category pages for your first 6 months.
8% commission in year one
Lower network commission for the first year after repayment.
A dedicated launch manager
One person who sets you up, trains your team and stays on call.
Founding terms apply to approved salons only, subject to eligibility and approval.
Questions
The honest answers to what owners ask first.
Two ways in. Pick yours.
Own a salon?
See how much funding you could get in under a minute. No documents for the first step.
Love great salons?
Join early access and get up to 20% back from your very first visit.