Turn steady card sales from treatments, memberships, and retail into funds for renovations, stock, and slow months. Soft pull to start, no tax returns.
See My OfferMerchant Cash Advance
Spas live on repeat clients and card payments. A merchant cash advance uses that deposit history to put a lump sum in your account for what the business needs next.
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.
A 5-minute application and about three months of statements. Qualified spas can be funded in as little as 24 hours.
FICO 500+ is considered. Consistent bookings and card deposits matter a great deal.
The full repayment amount is in your offer before you accept. No surprise costs appear after you sign.
Your schedule is laid out up front, so you can plan around busy and quiet months.
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 spas take the bulk of their revenue on cards: massages, facials, body treatments, memberships, gift cards, and retail skincare. That steady stream of card deposits is exactly what a merchant cash advance is built around. You receive a lump sum now in exchange for a portion of future receivables.
Because the review centers on your deposits, a spa with a loyal client base and consistent bookings can often be a fit even if the owner's credit history is not spotless. FICO scores from 500 up are considered.
For buying product ahead of busy periods, see our spa inventory funding page.
The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements, and no tax returns are required. Your offer shows the full repayment amount and the repayment schedule before you accept. If you are qualified, funding can arrive in as little as 24 hours.
Sole proprietors can apply, which helps independent spa owners who run the business under their own name.
Spa cash flow has a quirk: gift cards sold in December bring cash in early, but the service is delivered months later. That can make winter deposits look strong and spring look thin. Keep that in mind when you size a request. The amount you are offered depends mainly on your deposits and existing obligations, and borrowing for the specific purpose, rather than for a round number, keeps repayment manageable.
If your needs come in waves, a business line of credit for spas may suit you better. For hydrotherapy tubs, steam rooms, or treatment devices, look at equipment financing for spas. We compare products directly in line of credit vs merchant cash advance for spas.
Gift card payments that land in your business account are part of your deposit history. Keep in mind they represent services you still owe clients.
About three months of business bank statements and the 5-minute application. No tax returns are required.
Yes. We work with established spas of all sizes that show steady deposits, including single-location and owner-operated shops.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours after accepting an offer.
Yes. Your offer shows the full repayment amount and the schedule before you accept, with no surprise costs after you sign.
Example uses for illustration only.
A few habits help spa owners present a stronger application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding