Merchant Fund Express
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Revenue-Based Financing for Barbershops

Funding sized to the deposits your chairs bring in. About three months of bank statements, no tax returns, FICO 500+ considered.

Check My Options

Barbershop Revenue-Based Financing

Funding that follows your busy and slow weeks

We size barbershop funding around real deposits, so a quiet Tuesday does not erase a strong Saturday. The 5-minute application starts with a soft credit pull.

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.

Built around how a shop actually earns

Fast review, light paperwork

A 5-minute application and about three months of business bank statements. Funding in as little as 24 hours for qualified shops.

Credit history is one input

FICO 500+ considered. Your deposit history carries real weight in how we look at your shop.

Full cost shown up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment you can plan around

The repayment schedule is laid out in your offer up front, so you know what to expect before you commit.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

Why revenue-based financing suits a chair-driven business

A barbershop earns money one cut at a time. Saturdays are packed, a rainy Tuesday can be dead, and the week before school starts can carry the month. Revenue-based financing is built for that rhythm. Instead of judging your shop on a tax return from last year, we look at what actually lands in your business bank account and size the funding around it.

Repayment is tied to your revenue, so the structure is designed to follow the business you actually run rather than an idealized one.

What owners use it for

If the main goal is clippers, chairs or sterilization gear, our barbershop equipment financing page may be a closer match.

What we look at

We review about three months of business bank statements. We are looking for steady deposits, how your card and cash deposits move week to week, and any existing obligations already coming out of the account. FICO 500+ is considered, we start with a soft credit pull, and no tax returns are required. Sole proprietors can apply, which matters in an industry where plenty of owners run the shop under their own name.

Curious how funders weigh each piece? See how barbershops qualify.

How it compares to other options

A merchant cash advance is tied to future card sales, while a business line of credit lets you draw as needs come up. Revenue-based financing sits close to both: a lump sum sized to your deposits with repayment linked to revenue. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on your deposits and existing obligations.

Reading your offer

Every offer shows the full repayment amount before you accept, along with the repayment schedule. Nothing gets added after you sign. Take the time to read it against your slow weeks, not just your best ones. When it looks right, start the 5-minute application.

Frequently Asked Questions

Does my barbershop need a minimum revenue to apply?

We do not state a hard revenue minimum. We work with established shops that show steady deposits in their business bank account.

I take a lot of cash. Does that count?

Cash that is deposited into your business bank account shows up in your statements and is part of what we review. Cash that never hits the account is hard for anyone to see.

Can a sole proprietor barber apply?

Yes. Sole proprietors can apply. We still need business bank statements showing your shop's deposits.

How fast can the money arrive?

Funding can arrive in as little as 24 hours for qualified businesses once the review is complete and the offer is accepted.

Will checking my options affect my credit?

We start with a soft credit pull, so looking at your options does not carry the weight of a hard inquiry.

Extra chairs $30,000.00
Retail stock $25,000.00
Storefront refresh $45,000.00
Second location $120,000.00

Example uses for illustration only.

How to improve your chances

A few habits make a barbershop's bank statements easier to read.

  • Deposit cash receipts into the business account regularly
  • Keep personal spending out of the shop account
  • Track booth rent income separately from service sales
  • Have three months of statements ready as PDFs

How we compare to a typical bank loan

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Tax returns, financials, more
Credit
FICO 500+ considered
Usually stronger credit expected
Speed
As little as 24 hours if qualified
Often weeks
Credit check to start
Soft pull
Often a hard pull
Sole proprietors
Can apply
Varies, often harder

Ready to fund your next chair?

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

Apply for Funding
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