Merchant Fund Express
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Inventory Funding for Barbershops

Stock blades, towels, pomades and grooming lines in the quantities that get you better pricing. Quick application, decisions that move fast.

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Barbershop Inventory

Keep the back bar full and the retail shelf moving

Buy inventory when the deal is on the table, then repay on a schedule you see 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.

Inventory capital that keeps pace

Fast, simple start

5 minutes to apply and about three months of statements. No tax returns.

Credit flexibility

FICO 500+ considered, with weight on your shop's real deposits.

Clear total cost

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

Predictable repayment

Your schedule is laid out in the offer up front, so restock planning stays simple.

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.

Two kinds of inventory, one cash flow

A barbershop carries two kinds of stock. There is back-bar inventory, the blades, neck strips, disinfectant, towels and shave products you burn through every day. Then there is retail: pomades, beard oils, shampoos and tools that clients take home. Running short on the first stops service. Running short on the second leaves easy margin on the table.

Inventory funding for a barbershop lets you buy both in the quantities that make sense, rather than in whatever amount the account can handle this week.

Where bulk buying helps

How we evaluate an inventory request

We focus on the health of your business bank account. About three months of statements shows us your deposit rhythm, and that drives how much funding makes sense. FICO 500+ is considered, there are no tax returns to dig up, and the first step uses a soft credit pull. Sole proprietors can apply.

Working capital is the usual fit for stock. If your sales are steady but uneven week to week, revenue-based financing for barbershops is worth comparing.

Make the product pay for itself

Before placing a big order, look at what actually sells. Check which products your barbers recommend most, which ones move on their own, and which sit on the shelf. Put the money into proven sellers first, then test one new line at a time. Display matters too: product at eye level near the register or the chair tends to move faster than product behind the counter.

Next steps

Your offer will show the full repayment amount and the repayment schedule before you accept, so you can compare it to the margin you expect on the stock. Decisions move fast, with funding in as little as 24 hours for qualified businesses. Apply in about 5 minutes.

Frequently Asked Questions

Can I use inventory funding for retail products and supplies both?

Yes. Back-bar supplies and retail products are both common uses.

How much inventory funding can a barbershop get?

Our range is $25,000 to $5,000,000. The amount for your shop depends mainly on your deposits and existing obligations.

Do I need to show invoices from suppliers?

The core of the application is about three months of business bank statements. Having supplier quotes handy can help you request the right amount.

How quickly can I place the order?

Funding can arrive in as little as 24 hours for qualified businesses, so you can move on a distributor deal quickly.

Is a line of credit better for inventory?

It can be if you restock often. A business line of credit lets you draw as needed instead of taking one lump sum.

Retail product $10,000.00
Back-bar supplies $6,500.00
House brand order $15,000.00
Holiday gift sets $4,500.00

Example uses for illustration only.

How to improve your chances

Smart inventory habits make each funding dollar go further.

  • Track which retail products actually sell each month
  • Ask distributors for volume pricing in writing
  • Deposit retail sales into your business account
  • Rotate slow movers out before reordering

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Hours of forms
Documents
About 3 months of statements
Tax returns and P&L
Credit
FICO 500+ considered
Higher scores usually expected
Funding speed
As little as 24 hours if qualified
Weeks or longer
First credit check
Soft pull
Often a hard pull

Stock your shop the right way

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

Apply for Funding
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