FICO 500 and up considered. We look at your spa's deposits, not just an old credit report. Soft pull to start and no tax returns required.
Check My OptionsSpa Funding, Credit Flexibility
If your spa brings in steady revenue but your score lags behind, we review the business as it runs 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.
Five-minute application and three months of statements. Funding in as little as 24 hours for qualified spas.
A lower score does not end the conversation. Deposits and business history are weighed too.
The offer lists the full repayment amount. No surprise costs appear after you sign.
Your repayment schedule is in the offer up front, so you can plan around it.
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 spa owners have a credit report that tells an old story: a rough opening year, a medical bill, a lease that went bad during a slow stretch. Meanwhile the spa itself books steadily and deposits come in every week. We consider FICO scores of 500 and up, and we put real weight on how the business performs right now.
None of these is a pass or fail test on its own. Funders weigh them together.
Our application takes about five minutes and starts with a soft credit pull. You send about three months of business bank statements, and we do not ask for tax returns. Sole proprietors can apply. If you want to see how factors are weighed in more detail, read how spas qualify.
With imperfect credit, the best move is borrowing for something that brings revenue back. Replacing a broken pedicure station, stocking retail before a busy season, or covering payroll until membership renewals hit all qualify. Borrowing to cover a long, ongoing loss is harder to justify. Your offer shows the full repayment amount and schedule up front so you can check the math before you accept.
Depending on your deposits, options can include a merchant cash advance, revenue-based financing, or working capital. A merchant cash advance and revenue-based financing tie repayment to sales activity, which can feel easier during slower weeks. Working capital is a set amount for a defined need.
If something on your credit report needs context, such as a past medical bill, a closed location, or a dispute with a former landlord, tell us when you apply. The same goes for any financing you already carry. A clear picture lets us shape an offer that fits what your account can handle, instead of one that strains it a month later. Spas that are open about their history and keep their banking tidy tend to have the smoothest reviews.
We consider FICO scores of 500 and up. Deposits, time in business, and existing obligations are weighed alongside your score.
We start with a soft credit pull, so the first step is not a hard inquiry.
No. About three months of business bank statements is the core document.
From $25,000 to $5,000,000. The amount depends mainly on deposits and current obligations.
Qualified spas can be funded in as little as 24 hours after acceptance and paperwork.
Example uses for illustration only.
Small changes can strengthen a spa's file over a few months.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding