New chairs or a run of product orders? One funding type fits each. See both for your shop with the full cost shown before you accept.
Get My OfferBarbershop financing compared
Barbershops have both big moments and small recurring needs. We show you options for each, based on what really lands in your account.
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.
About five minutes to apply and three months of statements. No tax returns. Qualified shops can be funded in as little as 24 hours.
FICO 500+ is considered alongside your steady card and cash deposits.
The full repayment amount is in your offer before you accept. No surprise costs after signing.
Your offer lays out the schedule up front so you can plan around quiet weeks.
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.
Shop owners usually come to us with one of two situations. Either there is a single project, like new chairs, a second location, or a full remodel, or there is a pattern of small gaps: retail product orders, a slow January, a chair renter who left mid-month.
That split is the whole decision. A merchant cash advance delivers one sum for one purpose. A business line of credit lets you draw repeatedly as gaps come up.
More detail lives on our pages for a barbershop line of credit and a barbershop merchant cash advance.
Barbershops often run on a mix of card payments, cash, and booth rent. We review about three months of business bank statements to see how consistently that money lands. Credit is considered from FICO 500, and the first check is a soft pull. Tax returns are not required, and sole proprietors can apply.
If credit is the part you are worried about, our page on bad credit funding for barbershops covers how that is weighed.
The most common one is using a lump sum for a recurring need. If you take one sum to cover product orders, you may find yourself short again in a couple of months. The reverse happens too: drawing on a line little by little for a remodel can make it harder to see the full project cost in one place.
Another is waiting until the week rent is due. Applying while your account is steady gives a reviewer a cleaner picture than applying in the middle of a slow stretch. Finally, keep personal and shop spending in separate accounts so your statements show the business clearly.
Funding runs from $25,000 to $5,000,000. Decisions move fast, and qualified shops can be funded in as little as 24 hours. Each offer shows the total repayment and the schedule before you accept. Apply in about five minutes.
If booth rent is deposited into your business bank account, it shows up in the deposit history we review.
Depositing cash revenue into your business account gives a fuller picture of what the shop brings in, which helps any funder read your file.
For a project with a known price, a lump sum is usually simpler. A line can still help with surprise costs that pop up during the work.
Yes. Sole proprietors can apply, and we look at the same factors: deposits, obligations, and credit.
Yes. The full repayment amount and schedule are in your offer before you accept.
Example uses for illustration only.
Small changes make a barbershop's bank history easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding