Merchant Fund Express
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Expansion Funding for Barbershops

More chairs, a bigger space or a second location. Capital to grow while your books are full, with a 5-minute application.

Plan My Growth

Barbershop Growth

Turn the waitlist into new chairs

Fund build-out, equipment and new hires up front, then repay on a schedule you review 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.

Growth capital without the bank maze

Move while demand is hot

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

More than a credit score

FICO 500+ considered. Your shop's deposits carry real weight.

Full cost shown first

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

Plan the build-out with confidence

Your repayment schedule is laid out up front, so you can budget the whole project.

Waiting on deposits to land?

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.

You have a waitlist. Now what?

When regulars are booking two weeks out and walk-ins are leaving, the shop is telling you something. Growth for a barbershop usually takes one of a few shapes: adding chairs in the current space, taking over the unit next door, or opening a second location in another neighborhood. Each one costs money before it brings in a dollar.

Expansion funding for barbershops covers those upfront costs so you can grow while demand is there.

What an expansion actually costs

Owners often underestimate the list. Beyond chairs and stations, think about:

For the hard assets, equipment financing can keep working capital free for the rest.

Reading your growth readiness

We look at about three months of business bank statements to understand your current deposits and existing obligations. Those numbers shape how much funding makes sense. FICO 500+ is considered, tax returns are not required, and we begin with a soft credit pull. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000.

Not sure whether you are in a strong spot? Our barbershop qualification page explains what funders typically weigh.

Phase it if you can

Expansion is less risky in steps. Add two chairs and fill them before signing a second lease. Prove a new service, such as hot towel shaves or kids' cuts, before building a dedicated room. Each step gives you fresh deposits that support the next round of funding.

It also helps to keep the original shop strong while you grow. Assign a lead barber to run the floor when you are at the new site, and watch that your core regulars still get their usual times.

Ready to grow

Your offer shows the full repayment amount and schedule before you accept. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Start your application.

Frequently Asked Questions

Can I use expansion funding to open a second barbershop?

Yes. A second location, a bigger space or extra chairs in your current shop are all common uses.

How much can I get for an expansion?

Funding ranges from $25,000 to $5,000,000. Your deposits and existing obligations drive the amount.

Do you need a business plan?

No business plan or tax returns are required to apply. We work mainly from about three months of bank statements.

Can I combine equipment financing and working capital?

Many owners finance chairs and stations through equipment financing and use working capital for build-out and hiring.

How long does the process take?

The application takes about 5 minutes, and funding can arrive in as little as 24 hours for qualified businesses.

Should I wait until the new location is open to apply?

Usually it is better to apply before. Build-out, deposits and hiring happen before the doors open, and your current statements already show how the existing shop performs. Lining up capital early also gives you a firmer budget when you negotiate the lease and contractor quotes.

New stations $24,000.00
Build-out work $60,000.00
Lease deposit $15,000.00
New hire onboarding $12,000.00

Example uses for illustration only.

How to improve your chances

These steps help an expansion request look strong and stay on track.

  • Get written quotes for build-out and equipment
  • Fill new chairs in phases before adding more
  • Keep personal and shop spending in separate accounts
  • Show steady deposits for the months before you apply

Expansion funding compared

Merchant Fund Express
Traditional bank loans
Business plan
Not required
Usually required
Documents
About 3 months of statements
Tax returns, projections
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks to months
Range
$25,000 to $5,000,000
Varies by bank

Build the shop your clients already want

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

Apply for Funding
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