Funding based on the card sales your chairs already bring in, repaid as sales come in. Apply in about five minutes.
Start My ApplicationBarbershop Merchant Cash Advance
Busy Saturdays, quiet Mondays. A merchant cash advance ties repayment to card sales, so it follows the pace of the shop.
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.
Five minutes online and three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your card volume and steady deposits carry a lot of weight.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your offer lays out the repayment structure up front, so you know what to expect each week.
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.
Most barbershops now take the majority of payments by card, whether it is a fade on a Tuesday or a full Saturday of walk-ins. That steady stream of card sales is exactly what a merchant cash advance is built on. You receive a lump sum now, and it is repaid from a portion of your future card sales.
Because repayment follows sales, a slow week means less goes out, and a packed week means more. For a shop where traffic swings with holidays, back-to-school and prom season, that link to sales is the main appeal.
It tends to fit when:
It may not be the best fit if most of your clients pay cash, or if you need small amounts on and off throughout the year. In that case, look at a business line of credit for barbershops. We compare the two on our line of credit vs. merchant cash advance page.
Common uses we see from barbershops:
We fund from $25,000 to $5,000,000 for established businesses with steady deposits. You apply in about five minutes and share about three months of business bank statements. We look at card volume, deposit consistency and any obligations you already carry. No tax returns are required, a soft credit pull starts the process, and FICO 500+ is considered. Sole proprietors and booth-rental shop owners can apply.
Your offer shows the full repayment amount before you accept, and funding can arrive in as little as 24 hours for qualified businesses. Start your application.
The amount depends mainly on your card and bank deposits and what is already being paid out of the account. For illustration, a three-chair neighborhood shop and a ten-chair shop with a retail wall will see very different numbers even if both owners have similar credit. Ask for what the project costs, not the largest figure you can find.
From a portion of your future card sales. The offer explains exactly how repayment works before you accept.
It can. An MCA leans on card sales, so a cash-heavy shop may fit better with working capital or a line of credit.
FICO 500+ is considered, alongside your deposit history.
No. About three months of business bank statements is the main document.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few habits help a barbershop MCA request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding