Franchise funding
A labor-heavy salon model read from the deposits up: payroll timing, station equipment and portfolio structure.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a Great Clips location and need capital? Merchant Fund Express funds existing Great Clips owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. Funding runs from $25,000 to $5,000,000. Because stylist payroll is the largest recurring cost, we size any payment after payroll, royalty and existing positions. A complete file gets a same-day decision, and funding often arrives the next business day.
Owners who already run open salons, including the many who hold a portfolio and do not work the floor every day. This is a labor-heavy model: each salon carries a manager, an assistant manager and a team of stylists, so the biggest cash event is payday, not an equipment bill. Merchant Fund Express reads that rhythm before it suggests a product.
For the general salon cash cycle, see the salon industry guide; this page focuses on franchised, multi-salon owners.
Checked Oct 2026 against the franchisor's own published materials. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Haircut volume dips around holidays and weather, but stylist pay does not. A salon payroll funding structure or a line of credit bridges one or two pay cycles without touching the reserve.
Hydraulic chairs and station counters take daily punishment. Equipment financing on a vendor quote spreads a full set across its useful life.
Owners with several salons often refresh one after another. A term loan for a fixed project budget fits better than repeated short draws; see remodel funding.
Already running a Great Clips location and need capital? Merchant Fund Express funds existing Great Clips owners with every product below. Terms depend on the business's revenue and history.
Compare them side by side in MCA vs business loan, or read the beauty and wellness franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Stylist payroll gap | Line of credit | Tier 1: 3+ years, FICO 650+, $300K a year revenue | Statements, payroll register |
| Short payroll bridge for a newer salon | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements |
| Chairs, stations, bowls | Equipment financing | Vendor quote and useful life | Quote, statements |
| Fixed refresh budget | Term loan | Tier 1, 0% origination, first position only | Contractor estimate |
| Adding a salon to the portfolio | Term loan or revenue-based financing | Read on existing salons' deposits | Statements per entity |
Owners who shift money between salon accounts should flag those transfers; they are not revenue. Our guide to which deposits count shows how they are separated.
Tax returns are not needed for a typical first review. Spanish-speaking support is available.
Take an owner with three salons depositing $38,000, $34,000 and $29,000 a month ($101,000 total). Combined payroll is $56,000, royalty debits $6,100, rent $13,500. The owner wants $45,000 to refresh one salon.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A first salon needs operating history before Merchant Fund Express can review it; read opening a hair salon franchise. If you already own salons and are adding one, the salon second location guide explains how existing deposits support the next salon. Buying an operating salon from another owner follows franchise transfer financing.
Yes. We read the business deposits, not the owner's hours. The applicant needs meaningful ownership (Tier 1 asks for at least 50%).
Three months of business bank statements per entity, the short application and, for payroll requests, a payroll register. Full financials come in only above $250,000.
Yes. Merchant Fund Express reviews salon equipment on a vendor quote and the useful life of the furniture and fixtures.
Each salon or entity is read on its own deposits, and shared payroll accounts are mapped back to the salons they serve. You can fund one salon or the group.
No. Merchant Fund Express is independent. We use the Great Clips name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by Great Clips or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
