Keep funds on hand for repairs, product deals, group bookings, and quiet weeks. Draw what you need. Soft pull to start, no tax returns.
Check My LimitBusiness Line of Credit
Broken equipment, a great supplier deal, or a quiet month can all hit at once. A line of credit lets you handle each one without scrambling.
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.
Apply in about 5 minutes with roughly three months of statements. Qualified spas can access funds in as little as 24 hours.
FICO scores from 500 up are considered, and your booking deposits count.
Your offer lists the full repayment amount up front. No surprise costs after you sign.
The repayment schedule is in your offer, so you can time draws around busy seasons.
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.
Spa expenses rarely arrive on a neat schedule. A steam generator fails on a Saturday. A favorite skincare brand offers a discount on a large order. A wedding party books the whole spa for a morning and you need extra staff. None of these is huge on its own, but together they can stretch cash.
A business line of credit gives you a limit you can draw from when those moments come. You draw what you need, repay it, and the room opens back up for the next time.
For bigger repairs, our spa equipment repair funding page goes into more detail.
The application takes about five minutes and begins with a soft credit pull. We review about three months of business bank statements, and no tax returns are required. FICO scores from 500 up are considered. Your limit depends mainly on your deposits and existing obligations.
Your offer shows the full repayment amount and repayment schedule before you accept. Qualified businesses can access funds in as little as 24 hours.
A line works best as a buffer, not as a second source of revenue. A few habits keep it working for you:
For a single large project, like adding treatment rooms or opening a second location, a lump sum may work better. See spa expansion funding or working capital for spas. For new equipment, look at equipment financing. Funding across our products runs from $25,000 to $5,000,000.
A line lets you draw from a limit as needs come up. A merchant cash advance provides a single lump sum tied to future receivables.
The 5-minute application and about three months of business bank statements. No tax returns are required.
We start with a soft credit pull, which does not carry the impact of a hard inquiry.
Established spas, massage studios, and similar wellness businesses with steady deposits can apply.
Your offer shows the full repayment amount and schedule before you accept, so you can review the numbers first.
Example uses for illustration only.
Small steps can help a spa get a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding