Merchant Fund Express
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Funding for a Big Contract in Pet Grooming

Staff up and stock up for a kennel, shelter, vet or event account before the first invoice pays. Apply in 5 minutes, no tax returns.

Fund My Contract

Pet Grooming Contract Funding

Say yes to the account that fills your weekdays

Large grooming accounts often pay on invoice. We cover hiring, product and equipment up front so the work starts on time.

As fast as
24 hours

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.

Contract funding without the bank runaround

Answers on the contract's timeline

A 5-minute application and recent bank statements. Funding in as little as 24 hours for qualified groomers.

Credit is weighed, not the only factor

FICO from 500 considered, with your client deposits counting for a lot.

See the full repayment first

Every offer shows the full repayment amount before you accept. Nothing surprising added after you sign.

Payments mapped out in advance

The schedule is in the offer from the start, so you can line it up with the client's invoice cycle.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Big accounts come with up-front costs

Not every grooming job is one dog at a time. Some shops win recurring work grooming for a boarding kennel, a rescue or shelter, a veterinary clinic, a dog show, or an apartment community that offers grooming as an amenity. That kind of account can fill weekdays for months, but it usually means hiring a bather or two, buying more product, and sometimes adding a table or a second van before the first invoice is paid.

Many of these clients pay on invoice terms rather than at checkout. Your payroll and supply bills, meanwhile, come due on their usual schedule. Funding for a big contract bridges that timing so you can say yes to the work.

What the money typically covers

If staff costs are the main pressure, see our page on payroll funding for pet grooming.

How we review a contract-driven request

We base the decision on your business bank statements, usually about three months of them, and a short application. We want to see that your existing client deposits are steady enough to carry repayment while the new contract ramps up. A signed agreement helps you plan, but the offer still depends mainly on your deposits and existing obligations. No tax returns are required, the first credit check is a soft pull, FICO from 500 is considered, and sole proprietors can apply.

Choosing a structure

Working capital is a common fit for a one-time ramp-up. If the contract pays in irregular chunks, a business line of credit lets you draw only when a gap appears. Revenue-based financing ties payments to your overall sales. Whichever you choose, the offer shows the full repayment amount and schedule before you sign.

Got the contract? Apply in about 5 minutes.

Frequently Asked Questions

Do I need the signed contract to apply?

It is helpful for your own planning, but our decision rests mainly on your bank deposits and existing obligations. You can apply while the deal is being finalized.

Can a small grooming shop take on a kennel or shelter contract with funding?

Yes, many small shops do. Funding helps you hire and stock up before the client's payments start arriving.

How quickly can funds arrive?

Decisions are fast, and qualified businesses can receive funding in as little as 24 hours.

What range of funding is available?

From $25,000 to $5,000,000, based mainly on your deposits and what you already owe.

Will you contact my contract client?

No. We review your own business bank statements and application, not your client.

New bathers $45,000.00
Bulk product $30,000.00
Extra tables $38,000.00
Invoice gap $70,000.00

Example uses for illustration only.

How to improve your chances

These steps help a contract request go smoothly and keep repayment comfortable.

  • Confirm the client's payment terms in writing
  • Estimate staffing and supply costs per week of the contract
  • Keep regular client deposits flowing into one account
  • Hold back a cushion for a slow first month on the contract

Contract funding: us vs. a traditional bank

Merchant Fund Express
Traditional bank loans
What we review
3 months of bank statements
Tax returns and full financials
Turnaround
As little as 24 hours
Weeks, often after the start date
Credit
500+ FICO considered
Higher scores usually required
Application
About 5 minutes
Lengthy forms and meetings
Owner type
Sole proprietors welcome
Often prefer larger entities

Take the contract and fund the ramp-up

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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