Cash flow challenges every salon or spa faces
Keeping the space fresh
Clients expect a modern, comfortable space — renovations and new furniture add up fast.
Retail product inventory
Professional products are a profitable add-on but require upfront purchasing.
Staff retention
Attracting top stylists and therapists can require sign-on incentives and training.
Common uses of salon or spa funding
- Renovations and new stations
- Spa and salon equipment
- Retail product inventory
- Hiring and training staff
- Marketing and booking software
- Opening an additional location
Why merchant cash advances fit Salons & Spas
Salons and spas take most payments by card and have repeat customers, which creates the steady deposit history funders look for.
Example: A day spa depositing $55,000 a month wants $35,000 to add two treatment rooms. The additional capacity can generate revenue well above the funding cost. (Illustrative example only; actual offers depend on underwriting.)
Requirements for salon or spa funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
Salons & Spas funding FAQs
Can booth-rental salons qualify?
Yes, if booth rent and service revenue are deposited into a business bank account and you meet the time-in-business requirement.
Do I need perfect credit?
No. All credit scores are considered — your revenue history is what matters.