Merchant Fund Express
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Payroll Funding for Pet Grooming Businesses

Keep groomers, bathers and front desk paid through slow weeks and new hires. Five-minute application, soft pull to start.

Cover Payroll

Pet Grooming Payroll

Keep the groomers your clients ask for

Good groomers are hard to replace. We help salons and mobile groomers bridge payroll gaps with funding based on their bank deposits.

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.

Payroll help for grooming businesses

Quick and light on paperwork

Apply in about five minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.

FICO 500+ considered

We focus on your deposits and cash flow, not just your score.

Clear total cost

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Repayment you can plan

Your schedule is laid out in the offer up front.

Ready to see your numbers?

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.

Groomers are the business

In a grooming salon, your talent is your capacity. A skilled groomer with a loyal client book is hard to replace, and many will leave quickly if a paycheck is late or commission is short. Yet payroll pressure shows up in this business all the time: a holiday rush where you add bathers before the revenue lands, a run of no-shows and cancellations, a mobile van in the shop for a week, or a new groomer who needs time to build a book while drawing a set base wage.

Commission, hourly and the cash gap

Many salons mix commission for groomers with hourly pay for bathers and front desk. Commission scales with revenue, but hourly wages and payroll taxes do not. When appointments dip, hourly costs stay the same. When you are training new staff, you are paying for hours that do not yet produce full tickets.

Funding fills that gap so you can keep the team you have worked hard to build. Most grooming businesses look at working capital for pet grooming, a business line of credit, or a merchant cash advance if most revenue comes through card payments.

What we need from you

FICO 500+ is considered, and sole proprietors, including owner-operators of a single mobile van, can apply. We are built for established businesses with steady deposits.

Sizing payroll funding sensibly

Add up payroll and payroll taxes for the stretch you need to cover, then subtract the revenue you reasonably expect during that time. For illustration: if a salon runs a two-week payroll and expects bookings to recover after a slow month, funding a couple of cycles plus a modest cushion is usually enough. Borrowing far beyond the gap just adds cost.

Your offer shows the full repayment amount and the repayment schedule before you accept, so you can check it against your booking calendar. When the numbers line up, apply in about five minutes.

Frequently Asked Questions

Can I use funding to pay commission and hourly staff?

Yes. Working capital can cover all payroll costs, including commission, hourly wages and payroll taxes.

I run a single mobile grooming van. Can I apply?

Yes. Sole proprietors can apply as long as the business shows steady deposits in a business bank account.

How soon can payroll be covered?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Do you need my tax returns?

No tax returns are required. We review about three months of business bank statements.

Does my credit score matter?

It is one factor. FICO 500+ is considered, and your deposit pattern carries a lot of weight.

Two payroll cycles $26,000.00
New groomer wages $18,000.00
Holiday bathers $9,500.00
Payroll taxes $7,200.00

Example uses for illustration only.

How to improve your chances

Steadier bookings make payroll easier and funding simpler.

  • Pre-book each client's next appointment at checkout
  • Charge a fee for late cancellations and no-shows
  • Track revenue per groomer hour each week
  • Cross-train bathers to cover peak days

Payroll funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks
Mobile solo groomers
Sole proprietors can apply
Often harder to qualify

Keep your grooming team paid and in place

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

Apply for Funding
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