Merchant Fund Express
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Equipment Repair Funding for Barbershops

Fix the chair, the bowl or the water heater before it costs you another weekend of clients. Simple application, fast decisions.

Fix It Now

Barbershop Equipment

Every idle station is money walking out the door

Repair or replace the gear your barbers depend on, and repay on a schedule laid out in your offer before you accept.

As fast as
24 hours

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.

Repairs funded without the runaround

Fast decisions, light paperwork

5-minute application, about three months of statements, no tax returns.

Fair look at your credit

FICO 500+ considered. Steady shop deposits matter a lot.

Know the full cost up front

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Repayment you can see coming

Your schedule is spelled out in the offer, so nothing changes after you sign.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

When a broken chair costs more than the repair

A hydraulic chair that will not lift, a shampoo bowl with a failing drain, or a water heater that quits on a Saturday morning: in a barbershop, broken equipment means turned-away clients. Each idle station is lost revenue for you and lost income for the barber who works it, and that can push good people to look elsewhere.

Equipment repair funding gives you cash to fix the problem now rather than waiting until the account recovers.

Repair or replace?

Sometimes a repair is the smart move. Other times the old unit has been patched too often. A rough way to think it through:

If you lean toward new gear, look at equipment financing for barbershops. For repairs, plumbing and smaller fixes, working capital is often simpler.

What we need from you

Very little. The application takes about 5 minutes and we ask for roughly three months of business bank statements. No tax returns are required, and we start with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.

Your offer lists the full repayment amount and the repayment schedule before you accept, so you know exactly what the fix will cost you over time.

Plan for the next breakdown, too

Most shops have a short list of gear that fails on a cycle: clippers that wear out under daily use, chair pumps, ventilation fans and the hot water system. Keeping a running note of what is aging, what it cost last time and who services it helps you request the right amount instead of guessing. It also makes the conversation about your shop faster, because you can show exactly where the money goes.

If a repair coincides with a soft month, our page on slow-season funding for barbershops covers how to size capital for both at once.

Getting stations back online

Decisions move fast, and qualified businesses can be funded in as little as 24 hours. That can be the difference between losing a weekend and losing a week. Apply now and get your chairs turning again.

Frequently Asked Questions

What repairs can this cover?

Chairs, clippers and trimmers, sterilization units, shampoo stations, lighting, HVAC, plumbing and similar needs that keep the shop running.

Can I use funding to replace equipment instead of repairing it?

Yes. You can use working capital for either, or look at equipment financing if you are buying new gear.

How fast can I get funding?

Funding can arrive in as little as 24 hours for qualified businesses after approval.

What if my credit is not great?

FICO 500 and up is considered. We weigh your deposits and cash flow alongside credit.

Is there a minimum amount?

Funding starts at $25,000. If your repair is smaller, the extra can go toward other shop needs or you can request a lower amount within our range.

Hydraulic chairs $9,500.00
Shampoo station $4,200.00
Water heater $3,800.00
Sterilizer units $2,600.00

Example uses for illustration only.

How to improve your chances

Shops that plan for breakdowns tend to get better offers when one happens.

  • Keep repair invoices and quotes ready to share
  • Run all sales through your business bank account
  • Note which equipment is near the end of its life
  • Keep your account balance from dipping negative

How we compare with a bank for repairs

Merchant Fund Express
Traditional bank loans
Turnaround
As little as 24 hours if qualified
Weeks of underwriting
Paperwork
About 3 months of statements
Tax returns and financial statements
Credit
FICO 500+ considered
Strong credit usually needed
Cost visibility
Full repayment shown before signing
Terms vary by product
Sole proprietors
Can apply
Often harder to qualify

Get your chairs back in service

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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