FICO 500+ considered. We look at the deposits your chairs, retail shelf and booth rent bring in, not just a score from tougher years.
Check My OptionsBarbershop Funding, Credit Flexible
Credit dings happen when you build a shop from scratch. We review three months of deposits and start with a soft pull, so checking costs your score nothing.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five minutes to apply and three months of bank statements. Funding in as little as 24 hours for qualified businesses.
We weigh your score alongside deposit consistency, sales trend and existing obligations.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer up front, so you can budget for slow weeks.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A lot of barbers built their shops the hard way: cutting out of a rented chair, saving tips, putting the first buildout on credit cards. Credit takes damage along the way. Meanwhile the shop has regulars, a waiting list on Saturdays and deposits coming in every day.
We consider FICO scores from 500 and up, and we look closely at how the shop is performing now, through about three months of business bank statements.
Credit is one factor among several. Funders generally look at:
No single factor decides the outcome. A lower score next to strong, regular deposits reads differently from a lower score next to shrinking sales.
When credit is the weak spot, products built on revenue often fit. A merchant cash advance for barbershops is repaid from future card sales. Revenue-based financing ties repayment to revenue. Working capital covers day-to-day costs, and equipment financing covers chairs and stations.
When your credit is bruised, it is easy to grab the first offer. Do not. Every offer from us shows the full repayment amount and the payment schedule before you accept, so you can check it against your slow months and existing bills. If it does not fit, you can walk away. Because we start with a soft credit pull, looking costs nothing on your report.
For more on managing the money side of the shop, read our barbershop cash flow guide.
We fund established shops with steady deposits, from $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations. The application takes about five minutes, no tax returns are required, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Apply now.
Before you apply, gather the statements, note what the money is for, and list anything you already pay each month. A complete picture gives a shop with credit issues the fairest review.
FICO 500+ is considered. Score is weighed with deposit history, sales trend and existing obligations.
No. We start with a soft credit pull, which does not affect your score.
Not on its own. We look at the full picture, with heavy weight on what your recent bank statements show.
About three months of business bank statements. No tax returns are required.
Yes. Sole proprietors can apply.
We fund from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations rather than on credit score alone.
Example uses for illustration only.
Honest steps that can strengthen a barbershop application with credit issues.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding