How to Finance an Oasis Face Bar Franchise: Express Facials
By Anthony Cornella
An Oasis Face Bar franchise loan funds a facial bar studio built around quick, results-focused skin treatments in an open, social setting rather than a hushed traditional spa. Because the concept depends on a well-located retail space, specialty treatment devices and a steady base of repeat and member clients, the financing plan has to cover build-out, equipment and a realistic ramp-up period.
This article explains what is publicly known about the brand, what its SBA Franchise Directory listing and notes mean, which loan types fit a facial bar studio and how to prepare an application that a lender can approve.
US Professional Funding is not affiliated with, sponsored by or endorsed by Oasis Face Bar; the name is used only to describe the business. Figures in the franchisor’s disclosure document can change, loan programs vary by lender and borrower, and every loan is subject to approval. Nothing in this article is legal, tax or investment advice; review the current Franchise Disclosure Document (FDD) and franchise agreement with a franchise attorney and an accountant before you sign.
Oasis Face Bar Franchise Loan at a Glance
- Concept: an open-concept facial bar offering express facials and targeted treatments, plus brow and lash services and retail skincare.
- Signature services: oxygenating, hydrating and cooling facials performed with professional devices, alongside customized treatments.
- Revenue model: individual appointments, membership and subscription programs, and take-home product sales.
- Franchise fee, royalty and investment range: not verified from franchisor materials; see Items 5, 6 and 7 of the current FDD.
- Net worth and liquidity: ask the franchisor for its written minimums before you apply for financing.
- SBA status: listed on the SBA Franchise Directory as Oasis Face Bar (code S6100) with two notes covering the SBA Negotiated Addendum and lien position.
What Is Oasis Face Bar?
Oasis Face Bar positions itself as a modern facial bar: guests book a short appointment, sit in an open and lively studio, and leave with a visible result. The brand describes itself as a relationship business first and a skincare business second.
The menu combines express facials with more targeted treatments, including oxygen-infusion style facials, hydrating facials performed with branded professional systems and cooling cryo facials. Studios also offer brow and lash services and sell cleansers, exfoliants, masks, moisturizers and other skincare for home use.
The brand was founded by a spa owner who wanted a faster, more approachable alternative to the traditional day spa. It has grown through a mix of company and franchise owners, with studios in markets in Texas, Florida, Arizona, Ohio and other states, and it has continued signing new franchise territories.
How lenders view it. Lenders reviewing an Oasis Face Bar franchise loan see the studio as a personal-service retail business with recurring revenue potential. The positives are membership income, repeat visits and product sales. The risks are those of any young studio concept: the time it takes to build a client base, dependence on licensed estheticians and a lease that runs whether or not appointments are full. Strong projections, an experienced management plan and adequate working capital address those concerns.
Oasis Face Bar Franchise Costs
The current fees and investment range are disclosed in the Oasis Face Bar FDD. We could not verify those figures from franchisor materials, so this section explains each cost category and how lenders treat it.
Initial franchise fee. Item 5 states the fee, when it is due and whether discounts apply for additional studios or multi-unit agreements. Lenders consider the franchise fee an intangible cost, so it is usually covered by your equity injection or folded into a larger SBA 7(a) loan.
Leasehold improvements. Facial bars are typically in retail centers and mixed-use streets. Build-out includes treatment stations, plumbing for sinks, electrical capacity for devices, lighting, a reception and retail area, and a laundry room. Tenant improvement allowances can reduce what you finance.
Treatment equipment and furniture. Treatment chairs or beds, magnifying lamps, steamers, hydrating and oxygen-infusion systems, cryo tools, sterilization equipment, washers and dryers, and furniture make up a large share of the cost. Some devices may be required by the franchisor and purchased from approved sources.
Opening costs and working capital. Initial skincare and retail inventory, signage, technology and booking software, grand opening marketing, training, insurance, licenses, deposits and payroll for estheticians before the client base matures all require cash.
Item 7 checklist. Map your loan request to each line of the Item 7 table:
- Initial franchise fee
- Lease deposits and rent during build-out
- Leasehold improvements and architectural fees
- Treatment devices, chairs and furniture
- Signage and decor
- Computer, point-of-sale and booking technology
- Opening skincare and retail inventory
- Training travel and expenses
- Grand opening marketing
- Insurance, licenses and permits
- Additional funds for the initial operating period
Ongoing Fees and How They Affect Your Loan
Item 6 of the FDD lists the royalty, any brand or marketing fund contribution, local advertising requirements, technology or software fees, and transfer and renewal fees. Check the franchise agreement for any required refreshes of decor and equipment.
The lender’s view. Lenders subtract royalties and other fees from projected revenue along with rent, esthetician payroll, product costs and card processing fees. What remains must comfortably cover loan payments. Fees calculated as a percentage of gross sales rise with revenue, while flat technology fees apply even in slow months, so model both.
Franchisor Requirements for New Owners
The franchisor sets its own net worth, liquidity and experience standards and states them in its franchise materials and the FDD. Prior beauty, spa, retail or multi-unit management experience strengthens both the franchise application and the loan request, although many studio franchisors also accept owners who will hire an experienced studio manager.
Approval path. Expect a financial qualification review, delivery of the FDD, discovery calls, territory and site approval, and training. Start financing conversations as soon as you identify a site.
Ways to Own an Oasis Face Bar
A new studio. Most new owners open a new studio in an assigned territory. Lenders underwrite feasibility, your projections and your equity. Learn more about franchise start-up financing.
Buying an existing studio. Studios do change hands, including company-owned locations offered for sale. An existing studio has a client list, membership history and staff, which gives the lender real results to review. Our article on buying a franchise resale explains what to look for.
Financing Options for an Oasis Face Bar Franchise
Most buyers combine two or three of the following tools in one Oasis Face Bar franchise loan package.
SBA 7(a) loans. Because Oasis Face Bar appears on the SBA Franchise Directory, an SBA 7(a) loan can combine build-out, equipment, the franchise fee, opening inventory and working capital in one package, subject to the directory notes.
SBA 504 loans. Most studios lease space, so an SBA 504 loan rarely fits a single studio. If you buy a small commercial condo or building for your studio, an SBA 504 loan may finance the real estate.
Conventional term loans. Owners with strong credit, collateral and business experience may qualify for conventional business loans, especially when adding a studio to an existing business.
Equipment financing. Hydrating and oxygen-infusion systems, cryo devices, treatment chairs and laundry equipment can be financed separately, with the equipment as collateral. See our page on franchise equipment financing and leasing.
Working capital and lines of credit. New studios need cash for payroll and marketing while memberships build, and for retail inventory before holidays and gift-giving seasons. Explore franchise working capital options.
Seller financing. When buying an existing studio, a seller may agree to carry part of the price. Seller notes are typically subordinate to the senior loan, and SBA rules may limit how they are structured.
SBA Loans for Oasis Face Bar Franchisees
SBA lenders confirm that a brand appears on the SBA Franchise Directory and follow any notes attached to the listing before approving a franchise loan.
The Oasis Face Bar listing. The brand is listed as Oasis Face Bar under code S6100 with two notes:
- Only the SBA Negotiated Addendum may be used. The franchise agreement is paired with the SBA’s standard franchise addendum rather than a custom version, which keeps the lender’s eligibility review straightforward.
- The lender must secure the appropriate lien position on all collateral. The lender or certified development company must make sure its liens on equipment, leasehold improvements and any other collateral rank where SBA rules require.
In plain English. The notes add no new costs. Your lender will use the standard SBA addendum and will check that no equipment lessor or other party has a claim ranking ahead of the SBA loan, so disclose any vendor equipment financing early.
Program basics. The SBA 7(a) program maximum is currently $5 million, though program rules can change. A single studio usually needs far less, which leaves room for a second location later. Test payment scenarios with our SBA loan calculator.
Application tips. A strong Oasis Face Bar franchise loan request includes a complete Item 7 budget, contractor bids, the lease or letter of intent and month-by-month projections. See our franchise business plan for an SBA loan article.
How Lenders Evaluate an Oasis Face Bar Deal
Personal credit and financial history. Expect a review of credit, tax returns and a financial statement.
Net worth and liquidity. Lenders want to see your equity injection plus reserves left over after opening.
Industry and management experience. Spa, salon, retail or hospitality management experience counts. If you will not work in the studio daily, explain who will run it and how you will recruit licensed estheticians.
Business plan and projections. Build projections from appointment capacity per station, realistic booking rates in the first months, membership growth and cancellations, retail sales per visit and esthetician compensation.
The FDD and franchise agreement. Lenders review Item 17 for the term, renewal and transfer conditions, Item 10 for any franchisor financing and whether Item 19 includes financial performance representations. Our article on reading the FDD for financing explains each item.
Site and lease. Lenders want a lease term, including options, that at least matches the loan term.
For resales. Expect requests for financial statements, membership reports and booking data.
Treatment Devices and Studio Build-Out
The studio’s equipment is what turns a quick appointment into a visible result, so plan it carefully. Professional hydrating and oxygen-infusion systems require consumables and service contracts, cryo tools need replacement over time, and sterilization and laundry equipment must keep up with a high volume of short appointments.
When financing devices separately, match the term to each device’s useful life and budget consumables as an ongoing cost, not part of the loan.
Multi-Unit Growth and Development Agreements
Facial bar owners often grow by adding studios across one metro area so they can share managers, estheticians and marketing. Lenders typically want the first studio to reach stable membership and cash flow before financing the next, and they review the combined debt of all studios. Development schedules in the franchise agreement set how quickly you must open, so align them with realistic financing timelines. Our page on multi-unit franchise financing covers the details.
Real-World Scenarios
A licensed esthetician becomes an owner. An experienced esthetician with modest savings uses an SBA 7(a) loan for build-out, devices and working capital, signing the standard SBA addendum with the franchise agreement.
A salon owner adds a studio. A salon owner with strong business tax returns uses a conventional term loan for a new studio and finances the treatment devices separately.
Buying a company-owned studio. A buyer purchases an operating studio, using membership history to support an SBA 7(a) acquisition loan, with a small seller note for part of the price.
Common Mistakes to Avoid
- Signing a lease before the lender reviews the term and options.
- Projecting full appointment books from opening day.
- Leaving too little working capital for payroll during ramp-up.
- Overlooking consumables and device service costs.
- Agreeing to equipment financing that conflicts with the SBA lien position.
- Not having a plan to recruit and keep licensed estheticians.
For more pitfalls, read our article on common franchise loan mistakes.
Next Steps to Finance Your Oasis Face Bar Franchise
Step 1: Request the FDD. Review Items 5, 6, 7, 10, 17 and 19 with your attorney and accountant.
Step 2: Confirm requirements. Get the franchisor’s net worth, liquidity and experience minimums in writing.
Step 3: Gather documents. Prepare tax returns, a personal financial statement, a résumé and proof of liquidity.
Step 4: Talk with a financing specialist. Decide between SBA, conventional and equipment financing.
Step 5: Secure the site. Have your lender review the letter of intent and lease before signing.
Step 6: Apply, close and open. Coordinate build-out, device delivery, hiring and training.
Oasis Face Bar Franchise Loan FAQs
How much does an Oasis Face Bar franchise cost?
The total estimated initial investment appears in Item 7 of the current FDD. Studio size, location and build-out scope drive where you land in the range.
What are the franchise fee and royalty?
They are disclosed in Items 5 and 6 of the FDD. We could not verify current figures from franchisor materials, so request the latest document.
How much liquid capital do I need?
The franchisor sets its own minimums. Lenders also expect an equity injection and reserves after opening.
Is Oasis Face Bar approved for SBA loans?
Yes. It is listed on the SBA Franchise Directory under code S6100, with notes requiring the SBA Negotiated Addendum and proper lien position on collateral.
What does the SBA Negotiated Addendum mean for me?
It is a standard SBA form signed with your franchise agreement. Using it keeps the lender’s eligibility review simple.
Can I finance treatment equipment separately?
Yes. Devices, chairs and laundry equipment can be financed with the equipment as collateral, as long as the arrangement fits the SBA lender’s lien requirements.
Can a first-time owner get an Oasis Face Bar franchise loan?
It is possible with good credit, adequate equity and a clear plan for managing the studio and hiring estheticians.
Does Oasis Face Bar offer financing?
Item 10 of the FDD describes any financing the franchisor offers. If none is offered, outside loans fund the project.
How long is the franchise term?
The term, renewal and transfer rules are in Item 17. Lenders generally prefer the remaining term to exceed the loan term.
Final Thoughts
An Oasis Face Bar franchise loan finances a studio whose value comes from repeat clients, memberships and well-chosen treatment equipment. With the brand on the SBA Franchise Directory, SBA 7(a) financing is available to qualified buyers, and the directory notes mainly shape the paperwork and collateral. Build your plan around the current FDD, a carefully negotiated lease and enough working capital to carry the studio through its first months.
US Professional Funding helps franchise owners finance start-ups, acquisitions, equipment and working capital. Explore our franchise financing programs to see how we can help you open or buy a facial bar studio.
