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Salon & spa funding

Your lease renewal is in 60 days. Your bank needs 90.

$10K to $150K. In your account within 36 hours. Direct funded. No credit pull.

See What You Qualify For
36HRAvg time to fund
$10K–$150KFor salons & spas
No credit pullTo apply
Direct Funder
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The real problems

A tired-looking salon loses clients. Renovations cost real money.

Clients choose based on the vibe the second they walk in. Outdated stations, peeling walls, and bad lighting send them to the salon down the street.

Renovation runs $30K-$100K

New flooring, lighting, stations, plumbing for shampoo bowls, and a fresh buildout. Landlords want it done before the lease renewal. You have 60 days and zero flexibility.

$30K-$100K typical

Product inventory ties up cash

Color lines, retail products, backbar supplies. A well-stocked salon carries $8K-$20K in product. Running out of Olaplex or your color line means turning clients away.

$10K-$25K typical

Booth rental doesn't cover overhead

You rent 8 chairs at $250/week. That's $8K/month. But rent is $6K, insurance is $800, utilities are $1,200, and product costs eat the rest. One empty chair and you're underwater.

Tight margins, fast

Seasonal swings are real

Wedding season and holidays are packed. January through March is dead. Prom season needs extra stylists. You need to staff up and stock up before the revenue comes in.

$10K-$30K typical gap
How it works

Apply today. Funded tomorrow.

We look at your bank deposits, not your credit score. Most salons get a decision within hours.

01Apply

60-second application

Salon name, monthly revenue, time in business. No tax returns required.

02Review

We review 3 bank statements

No credit pull. No collateral. We look at your cash flow and deposits.

03Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick.

Day 0 · ApplyDay 0 · ReviewDay 1–2 · Funded
Last month

A salon in NY. 36 hours.

"

Lease renewal was coming up and the landlord wanted the space renovated. New floors, lighting, stations — $40K total. Bank said 90 days. We funded it in 36 hours. Renovation finished two weeks before the deadline.

$40,000Funded
36 HRSApply to cash in account
0Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Salon funding — answered.

Do you fund salons and beauty businesses with bad credit?+

Yes. We've funded salons and beauty businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a salon get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can salons and beauty businesses qualify for?+

$15K-$75K is the typical advance range for salons and beauty businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what your salon qualifies for today.

Apply Now
✓ No credit pull✓ No obligation✓ Decision same day