Steady bookings matter. FICO 500+ considered, soft pull to start, and qualified groomers can be funded in as little as 24 hours.
See My OptionsBad Credit Funding
We look at three months of bank statements to see the real health of your grooming business, then weigh credit alongside it.
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.
About 5 minutes, three months of statements and no tax returns. Funding in as little as 24 hours for qualified salons.
Credit is weighed with your deposits, obligations and time in business.
The full repayment amount is shown before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you can test it against slow months.
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.
Many groomers built their business on skill and word of mouth, not on a spotless credit report. Maybe you opened the salon with personal cards, or a divorce or illness left a mark on your score. When we review a grooming business, we consider FICO 500+ and spend most of our time on about three months of business bank statements. Consistent daily deposits from repeat clients tell us more than a number from a credit bureau.
Credit is weighed in context. Here is how it typically plays out:
We do not publish cutoffs. Each file is reviewed as a whole.
Depending on your deposits, we may offer a merchant cash advance, working capital, revenue-based financing, equipment financing or a line of credit. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Funding can solve today's problem while you work on credit in the background. Groomers who rebuild steadily tend to do a few things consistently: they keep the business account positive, they pay on time on whatever obligations they already have, and they separate personal and business spending. Over a year or two, those habits show up both in a credit report and in bank statements.
It also helps to know what is on your report. Pull your own credit, dispute errors and set up payment plans on any open collections. None of these steps is an automatic fix, but each one gives funders, including us, a clearer and better picture the next time you apply.
Owners with weaker credit sometimes accept the first offer they see. Take a minute instead. Every offer from us shows the full repayment amount and the repayment schedule before you accept. Compare the payment to your slowest month, usually late winter for groomers, and make sure it still works.
If you want to understand the factors before applying, read how pet grooming businesses qualify, then apply in about 5 minutes.
FICO 500+ is considered. We review your deposits, existing obligations and time in business along with credit.
We start with a soft credit pull, which does not affect your credit.
No. Sole proprietors can apply.
About three months of business bank statements and a short application. No tax returns.
Keep deposits steady, avoid overdrafts, and have a clear list of any existing obligations ready.
Yes. Existing obligations are part of every review and affect how much can be offered.
Example uses for illustration only.
Credit takes time to rebuild, but these steps help right away.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding