FICO 500 and up considered. We look at your salon's steady deposits, not just a score. Soft pull, three months of statements, no tax returns.
See My OptionsSalon Funding, Credit Flexible
Credit trouble does not erase a busy salon. We review your deposits and existing obligations to find funding that fits where your shop is today.
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 five minutes and three months of statements. Qualified salons can be funded in as little as 24 hours.
Lower scores are reviewed alongside deposits, account health, and current obligations.
The total repayment amount is in your offer. No surprise costs appear after you sign.
The repayment schedule is spelled out in the offer before you accept.
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.
Plenty of successful salon owners have credit scars. Maybe you opened your shop on personal cards, rode out a tough stretch, or went through a divorce or medical bills. Meanwhile your chairs are booked and deposits come in every week. Banks often stop at the score. We consider FICO scores of 500 and up and give real weight to how your salon is actually performing.
Credit is one input, not the whole decision. Funders who work with lower scores usually look at:
Each factor is weighed together. A lower score paired with strong deposits can look very different from the same score with an erratic account. Our salon qualification guide goes deeper.
A merchant cash advance and revenue-based financing both lean heavily on sales history, which is why they are common choices when credit is bruised. Working capital can cover everyday costs. Whatever the product, your offer shows the full repayment amount and schedule before you accept.
For illustration, picture two salons whose owners share the same credit score. The first has steady weekly card deposits, no other financing, and an account that rarely dips low. The second has deposits that swing wildly and two existing advances coming out daily. Even with identical scores, those files would be reviewed very differently, and the amounts offered could differ a lot. That is why we read the statements instead of stopping at a number.
If you have a little time before you need funding, small moves help. Keep the business account from running negative, separate personal spending from salon revenue, and chip away at small revolving balances. None of these is a magic switch, but together they make your file easier to read.
The 5-minute application starts with a soft credit pull, so checking your options does not affect your credit. Send about three months of business bank statements. No tax returns. Sole proprietors can apply. Qualified salons can be funded in as little as 24 hours.
We consider FICO scores of 500 and up. Deposit history, existing obligations, and account health all factor into the review.
We start with a soft credit pull, which does not affect your credit score.
We fund from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
About three months of business bank statements and a 5-minute application. No tax returns.
Keep salon revenue in one business account, avoid overdrafts, and be upfront about any financing you already have.
Example uses for illustration only.
These honest steps can strengthen a salon application when credit is weak.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding