United Capital Source Logo

Specializing In Small Business Loans For Cosmetics Stores

Apply now! It’s quick, easy and free.
Free Consultation – No Obligation

No Cost, No Obligation Quote

    What are your current total average monthly sales?

    How much Working Capital would you like for your business?

    Apply In Minutes

    Use our easy online form to apply & get fast approvals

    Compare Options

    Secured & unsecured options with no personal guarantee

    Customize

    Pick the terms that work best for your business

    Get Funded

    Funds in a few business days for most programs

    Here’s what business owners like you are saying:

    What our clients are saying:

    Small Business Loan Options For Cosmetics Stores

    Like countless other industries, cosmetics has become significantly more competitive over the past decade or so. In addition to major department stores and chains, smaller cosmetic companies must compete with eCommerce giants and independent beauty entrepreneurs who seem to be popping up every day.

    Demand has changed dramatically as well, largely thanks to the increasing availability of specialty or niche products. Customers who have skin allergies or only wish to use natural ingredients can now find exactly what they need. Then there’s the undeniable success of social media influencers, who release photos promoting certain products or video tutorials that show how to apply them. As you can see, staying up-to-date in the cosmetics industry is no easy feat. In an age when customers can seamlessly find all types of products online for competitive prices, cosmetics stores must continuously prove the value of an in-person experience.

    And with so many new products gaining popularity, cosmetics stores must expand their inventory supply throughout the yearManaging inventory is extremely difficult; however, when you are trying to provide a balanced mix of industry staples and the subjects of the latest mass marketing campaigns. Niche products also tend to be more expensive and carry lower profit margins.

    United Capital Source has facilitated Small Business Loans for Cosmetics Wholesalers and Retail Stores selling cosmetics for several years. As smaller boutique cosmetic stores compete with the major department stores such as SAKS and Macy’s and specialist stores including Sephora, and online giants like Amazon — having access to quick small business financing allows businesses to stock their shelves with new products that consumers see advertised. Contact us today for your FREE business funding consultation!

    In this guide, we’ll answer the following questions and more:

    A few ways to use your funds:

    Purchase New Inventory
    Advertise Your Business
    Get Working Capital
    New Location/ Expansion

    It's in! Wanted to thank you again for helping us out with BOTH PPP loans! They were a life saver and we all really appreciate it! You guys have been very easy and painless to deal with. All the online docs are easy to fill out and how it should be.
    Kevlar

    Free Consultation No Obligation

    We know all the routes to take
    to get you the best business loan

    Nowadays, being an expert at cosmetics is basically meaningless if you aren’t a marketing expert. Small cosmetics stores must market themselves and their products, but ongoing campaigns can be costly and typically do not impact revenue for several months. United Capital Source’s lender network offers numerous small business loans tailored for long-term investments of this nature.

    Maybe you want to hire a full-time, in-house team. Maybe it’d be more cost-effective to outsource a private digital marketing company. You might need more time and money to handle the advertising yourself, rather than concentrating solely on sales so you can pay regular business expenses. A highly-sensible business funding program for cosmetics is a Merchant Cash Advance because they typically perform a large debit and credit card transaction volume.

    With a merchant cash advance, you only make significant payments when sales volume is on the rise. Making smaller payments up until this point does not increase the amount you owe. This makes a merchant cash advance particularly advantageous for marketing campaigns because you wouldn’t have to foot the majority of the repayment until the campaign is actually increasing revenue.

    We’re here when you need us.

    Merchant cash advances (a.k.a. “credit card factoring”) are also widely used to expand inventory and keep shelves stocked with popular products. Tight cash flow is not a mandatory requirement for approval, which can be granted at almost any time.

    Retail-based UCS clients have also used business lines of credit to purchase extra inventory when products are selling at an unexpectedly high rate. Business lines of credit are most affordable for short-term investments, creating their own revenue stream shortly after funds are spent.

    Since women own many cosmetics stores,  we facilitate small business loans for women. For reasons beyond their control, female business owners tend to have limited working capital and less than stellar credit. These may be deal-breakers for banks but working through UCS. They do not have to stop women from accessing the same borrowing amounts and repayment terms as men. Apply now to see how much you qualify for!

    Business Loan Options Compared

    LOAN TYPESMAX AMOUNTSRATESSPEED
    Merchant Cash Advances$7.5k – $1mStarting at 1.09%1-2 business days
    SBA Loan$50k-$10mStarting at 5%3-5 weeks
    Business Term Loan$10k to $5mStarting at 5%1-3 business days
    Business Line of Credit$1k to $250kStarting at 8%1-3 business days
    Receivables/Invoice Financing$10k-$10mStarting at 5.8%1-2 weeks
    Equipment FinancingUp to $5m per pieceStarting at 5%3-10 business days
    Revenue Based Business Loans$10K – $5mStarting at 9%1-3 business days

    Who Qualifies For Cosmetics Store?

    Approved businesses generally met the following criteria:

    We have access to various business loans for Cosmetics Store.

    Proven to work for our clients. Get one today.
    Free Consultation No Obligation

    People Also Ask:

    No FAQs

    It's in! Wanted to thank you again for helping us out with BOTH PPP loans! They were a life saver and we all really appreciate it! You guys have been very easy and painless to deal with. All the online docs are easy to fill out and how it should be.
    Kevlar

    Free Consultation No Obligation

    Why Choose United Capital Source?

    Why businesses choose UCS:

    1
    Quick funding options that won’t affect credit
    2
    Access to 75+ lenders with multiple products to choose from
    3
    Financing up to $5 million in as few as 3 days
    4
    1500+ 5 star reviews from happy clients!

    Ready to grow your business? See how much you qualify for:

      What are your current total average monthly sales?

      How much Working Capital would you like for your business?

      AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC
      Need Instant Help?
      Call Us Now At:

        What are your current total average monthly sales?

        How much Working Capital would you like for your business?

        Your Connection is
        securely encrypted

        $1.2+ Billion Matched to US Businesses