Merchant Fund Express
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Revenue-Based Financing for Pet Grooming

Funding sized from the deposits your grooming business already earns. No tax returns, soft pull to start, funding in as little as 24 hours if qualified.

Get My Numbers

Revenue-Based Financing

Grow from the bookings you already have

Your bank statements show what your salon earns. We use them to size funding for hiring, a new location or a mobile unit.

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.

Revenue-based financing for groomers

Fast, simple start

A 5-minute application and three months of statements. No tax returns. Qualified businesses can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ considered. Deposits and existing obligations are central to the review.

See the total first

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

Schedule up front

Your repayment schedule is laid out in the offer, so you can plan around seasonal dips.

Need capital this week?

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.

Funding that follows the appointment book

A grooming business does not earn the same amount every week. Holidays and early summer pack the schedule, while late winter can feel empty. Revenue-based financing is sized from the revenue flowing through your business bank account, so it reflects how your salon really operates instead of a single annual profit figure.

We look at about three months of business bank statements. No tax returns are required, which helps owners whose books show modest net income after equipment and payroll write-offs.

What we look at

FactorWhat it shows
Deposit volumeHow much revenue the salon brings in
Deposit consistencyWhether bookings hold steady week to week
Existing obligationsHow much of your cash flow is already committed
CreditFICO 500+ is considered, weighed in context

Ideas for using it

Groomers often use revenue-based financing to open a second location, add a self-wash station, launch a mobile unit, or hire and train an apprentice groomer. For illustration, an owner adding two apprentices before the spring rush might use funding to cover training wages until those groomers are booking full days.

For broader growth planning, see pet grooming expansion funding or our pet grooming cash flow guide.

Is revenue-based financing right for your salon?

It tends to fit grooming businesses that have a clear use for the funds, a few months of steady deposits and a plan for how the investment will add revenue. A new location, more stations or a mobile unit all fit that description. It is a weaker fit if deposits have been shrinking for several months with no clear cause, or if the funds would only cover ongoing losses.

Be honest with yourself about the slow season. Revenue-based financing is sized from your deposits, so applying with representative statements and reviewing the repayment schedule against your quietest months is the best way to make sure the funding helps rather than strains.

Clear terms before you commit

Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Sole proprietors can apply. Start the 5-minute application.

Frequently Asked Questions

How is revenue-based financing different from a bank loan for a grooming salon?

It is sized mainly from your business deposits and existing obligations rather than tax returns and collateral.

Do I need tax returns?

No. About three months of business bank statements are enough to start.

What if my revenue dips in winter?

We see your deposit pattern in the statements. Check the repayment schedule in your offer against your slowest months before accepting.

Is my credit checked?

We start with a soft credit pull and consider FICO 500+.

Can a solo groomer apply?

Yes. Sole proprietors can apply if the business has steady deposits.

Can I use revenue-based financing to open a second grooming location?

Yes, expansion is a common use. The amount depends mainly on your current deposits and existing obligations, and your offer shows the full repayment amount before you accept.

Second location $85,000.00
Self-wash station $16,000.00
Apprentice wages $28,000.00
Mobile unit $64,000.00

Example uses for illustration only.

How to improve your chances

Revenue-based offers reward clean, consistent deposits.

  • Route all card and cash sales to the business account
  • Encourage rebooking at checkout
  • Keep overdrafts off recent statements
  • Note any one-time deposits so they are understood

Revenue-based financing vs. a traditional loan

Merchant Fund Express
Traditional bank loans
Sized from
Business deposits
Profit and collateral
Docs
About 3 months of statements
Tax returns, statements
Credit
FICO 500+ considered
Strong credit expected
Funding time
As little as 24 hours if qualified
Weeks to months
First step
Soft credit pull
Hard pull common

Put your salon's revenue to work

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

Apply for Funding
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