A business built on bookings and reputation
You built a client base one appointment at a time. Now the business supports a team of stylists, estheticians or massage therapists, and the decisions get bigger: a second suite, a renovation, a new service line like lash, brow or medical-grade facials. Those moves need cash before they pay off.
Owners looking for same day salon funding want speed. Decisions through Merchant Fund Express move fast, and qualified salons and spas can be funded in as little as 24 hours. We do not promise same-day funding; that depends on the file and the bank.
Ways salon and spa owners use funding
- Renovating the reception area, shampoo stations or treatment rooms
- Adding chairs or rooms to bring on more staff
- Buying equipment such as pedicure chairs, hydrafacial machines or laser devices through equipment financing
- Stocking retail product ahead of the holiday gift season
- Covering rent and payroll in a quieter January. See slow month funding.
Which product makes sense
Merchant cash advance
Salons and spas take mostly card payments, so a merchant cash advance repaid from a share of future sales can feel natural. Repayment flexes with how busy the books are.
Working capital
Working capital is a lump sum on a set schedule, useful for a defined project like a remodel.
Line of credit
A business line of credit is there when you need it for recurring costs.
Who this fits
This is for established salons, day spas, med spas, nail salons and barbershops doing roughly $60,000 or more a month. Booth-rental models count when the rent and service revenue runs through a business account. Sole proprietors can apply.
FICO scores from 500 are considered. The review uses about three months of business bank statements, with no tax returns required. Amounts range from $25,000 to $5,000,000.
Apply on your own schedule
The application takes about 5 minutes and starts with a soft credit pull, so you can do it between clients. If you are also working on personal credit with Eagle, that is a separate service. It is not needed to apply for funding, and funding will not change your score.
Frequently asked questions
Can my salon be funded the same day?
We do not promise same-day funding. Qualified salons and spas can be funded in as little as 24 hours, depending on the file and the bank.
Can I finance spa or laser equipment?
Yes. Equipment financing covers items like pedicure chairs, facial machines and laser devices.
I rent booths to stylists. Does that revenue count?
Revenue that flows into your business bank account shows up in your statements, which are the core of the review.
Is a merchant cash advance a good fit for a salon?
Many salons use one because they take mostly card payments, and repayment follows sales volume.
What documents are needed?
About three months of business bank statements. No tax returns are required.
Can I fund a second location?
Yes. Working capital can cover buildout, furniture and staffing for a new location when the current salon shows steady revenue in its statements.