Salons, Barbershops & Beauty

Quick, Flexible Funding for Beauty & Personal Care Professionals

Whether you’re running a busy hair salon, an upscale barber shop, or a thriving nail studio, staying ahead means having the cash to invest in your business—new chairs, better products, more staff, or a fresh remodel. When traditional loans take too long or are too strict, many beauty businesses turn to a Merchant Cash Advance (MCA) for fast and flexible funding.

Here’s everything you need to know:

What is a Merchant Cash Advance for salons and barber shops?

A Merchant Cash Advance is a type of business financing where you receive a lump sum of capital up front, and repay it with a percentage of your future sales. Payments are automatically deducted from your daily or weekly revenue, making it ideal for beauty businesses with fluctuating income. This isn’t a loan—it’s a purchase of future receivables, which allows for quicker approvals and more flexible terms.

How does a Merchant Cash Advance work for beauty businesses?

The process is simple:

• 1. You apply online and submit basic business documents (like bank statements or POS reports).
• 2. If your salon or shop has been operating for at least 1 year and earns at least $25,000 in monthly revenue, you can be approved in 24–48 hours.
• 3. Once approved, funds are deposited directly into your account—often as soon as the next business day.
• 4. Repayments are made automatically as a percentage of your revenue—no fixed monthly payments or due dates.

Why do salons and beauty businesses use Merchant Cash Advances?

Salons and barbershops often face challenges like seasonality, client no-shows, or the need for quick upgrades. An MCA provides:

• Fast funding (often in 1–2 business days)
• Flexible repayments based on your sales
• No collateral required
• Credit-friendly approvals—perfect for beauty pros with thin credit files

It’s a great way to keep your business growing without missing a beat.

What can I use a Merchant Cash Advance for in my salon or shop?

MCA funds can be used for almost any business purpose:

• Buying new styling chairs, stations, or spa equipment
• Investing in retail inventory or beauty products
• Expanding or remodeling your space
• Marketing, signage, or website upgrades
• Covering rent or payroll during a slow season

If your beauty business needs it, MCA funding can help make it happen.

What are the minimum qualifications to apply?

To qualify for a salon or barbershop business cash advance, your business must:

• Be operating for at least 1 year
• Earn at least $25,000 per month in revenue
• Have consistent client transactions or service income
• Be based in the U.S.

No perfect credit? No problem—approvals are based on your business’s performance, not just your credit score.

How much can my salon or barbershop receive with a Merchant Cash Advance?

Funding amounts range from $10,000 to $500,000, depending on your revenue, cash flow, and time in business. The stronger your numbers, the more working capital you can access—quickly and with less paperwork than traditional bank loans.

How much does a Merchant Cash Advance cost?

MCAs use a factor rate instead of an interest rate. For example, an advance of $40,000 with a factor rate of 1.3 means you’ll repay $52,000 total. Payments are made automatically as a portion of your revenue, so you never have to worry about missed due dates or late fees.

Can part-time beauty businesses or solo stylists qualify?

If you run a booth rental, freelance beauty business, or small team, you can still qualify—as long as your total business revenue is at least $25,000/month and you’ve been in operation for at least a year. Many independent beauty pros and small salon owners use MCAs to fuel their next stage of growth.

How do I apply for a Merchant Cash Advance for my beauty business?

You can apply in minutes:

• 1. Fill out our quick online application
• 2. Upload recent bank or POS statements
• 3. Get approved in as little as 24 hours
• 4. Receive your funds the very next day