Compare a revolving limit for product and supplies with a lump-sum advance for buildouts. Apply in about 5 minutes, soft pull to start.
See Spa OptionsSpa Funding Comparison
Your spa spends differently on routine supplies than on growth. We help you match each cost to the funding that suits it.
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 5 minutes to apply and three months of statements. Qualified spas can be funded in as little as 24 hours.
FICO 500+ is considered. Service and membership deposits count for a lot.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
The offer shows your schedule up front, so slow months are easier to plan.
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.
Running a spa means paying for the ordinary, like linens, oils, skincare lines and laundry service, and for the occasional big leap, like a new treatment room or a facial device. The ordinary costs repeat. The big leaps happen once in a while. That split is the clearest way to think about a line of credit versus a merchant cash advance.
An advance puts one lump sum in your account, repaid from future card sales or deposits on the schedule set in your offer. Spas with steady card volume from services, memberships and gift cards often like that it follows how money comes in. Common uses include:
Read more on our merchant cash advance for spas page.
A line of credit gives you a limit to draw on as needed. Stock up on retail product before the holidays, repay as gift cards are redeemed and services booked, then draw again in spring. You pay on what you draw rather than on a lump sum that sits in the account. See our spa line of credit page for more.
Treatment devices are often the largest single purchase a spa makes. Because the device itself is the reason for the funding, equipment financing for spas can be a more natural fit than either a line or an advance. Some owners pair the two: equipment financing for the device and a line of credit for the training, marketing and supplies around it. Whichever mix you choose, the amount follows your deposits and the obligations you already carry.
Our application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are required. FICO 500+ is considered, and sole proprietors can apply. We provide $25,000 to $5,000,000, with funding in as little as 24 hours for qualified spas. The full repayment amount and schedule appear in your offer before you accept. Get started.
They show up as deposits, and steady deposits are central to the review. Be ready to explain seasonal gift card spikes.
A buildout is usually one defined cost, so an advance is often the closer fit. Phased projects may suit a line of credit.
Yes. Day spas and med spas can apply, and we review the business deposits you provide.
No single factor decides. FICO 500+ is considered alongside deposits and existing obligations.
Yes. Your offer shows the full repayment amount and the repayment schedule before you accept.
A second location is a defined cost, so an advance is a common fit. The amount depends mainly on your current deposits and the obligations you already have, and your offer shows the full repayment amount first.
Example uses for illustration only.
A little preparation goes a long way before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding