Merchant Fund Express
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Revenue-Based Financing for Salon Growth

Funding sized from your service and retail deposits. FICO 500+ considered, no tax returns, and a 5-minute application with a soft pull.

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Revenue-Based Financing

Grow your salon on the strength of your revenue

Steady bookings create a clear revenue story. We use your deposits to size funding for new services, suites, stylists, and inventory.

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 funding made for salons

Fast, paperwork-light

A 5-minute application and three months of statements. Qualified salons can be funded in as little as 24 hours.

Revenue over score

FICO 500 and up considered. Your deposit history drives much of the review.

Full cost up front

The total repayment amount is shown in your offer. No surprise costs after you sign.

A schedule you can see

Your repayment schedule is in the offer, so you can plan around seasonal swings.

Waiting on deposits to land?

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 your bookings

Revenue-based financing sizes funding from what your salon earns. Instead of asking for collateral or several years of tax returns, the review centers on your business bank deposits: services, retail sales, and booth rent if you collect it. For salons with steady bookings but limited hard assets, this can be a practical way to fund growth.

Why salons are a natural fit

A busy salon produces a steady stream of card and cash deposits, often every single day. That consistency is exactly what revenue-based financing looks at. Even salons with seasonal swings around holidays, prom, and wedding season usually show a clear pattern across a few months of statements.

Where owners use it

Steps to get an offer

  1. Complete the 5-minute application. A soft credit pull starts the process.
  2. Upload about three months of business bank statements. No tax returns.
  3. Review your offer, which shows the total repayment amount and repayment schedule.
  4. Accept if it fits. Qualified salons can be funded in as little as 24 hours.

FICO scores of 500 and up are considered, and sole proprietors can apply.

What shapes the amount

The amount depends mainly on your deposits and existing obligations. We look at the overall level of revenue, how consistent it is week to week, and what is already being paid out to other financing. For illustration, a salon that adds a few booth renters and sees deposits grow steadily over several months will present a different picture than one whose revenue dipped after losing two stylists. Thinking about where your revenue is heading helps you request an amount that fits.

Is revenue-based financing right for your salon?

It tends to fit owners with consistent bookings who want to invest in something that should grow revenue, like a new service or more chairs. It is a weaker fit if revenue has been falling for months and the money would only plug losses. Look at your last few months honestly and match the request to a clear plan.

Comparing your options

A merchant cash advance is also built on sales history. A line of credit suits recurring, smaller needs. If you are building a growth plan for the year, our salon cash flow guide can help you map repayment against your busy and slow months.

Frequently Asked Questions

What is revenue-based financing for a salon?

It is funding sized mainly from your salon's business deposits. We review your bank statements to understand revenue patterns and existing obligations before making an offer.

How much can my salon get?

We fund from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations.

Is my credit score important?

We consider FICO scores of 500 and up. With this type of funding, revenue history carries a lot of weight.

What paperwork do I need?

A 5-minute application and roughly three months of business bank statements. No tax returns required.

Do I see the total cost before accepting?

Yes. Every offer shows the full repayment amount and repayment schedule before you accept.

Salon suites $140,000.00
Extension launch $42,000.00
Stylist hiring $38,000.00
Retail inventory $30,000.00

Example uses for illustration only.

How to improve your chances

Stronger revenue records lead to stronger revenue-based offers.

  • Keep salon and personal money in separate accounts
  • Have booth renters pay into the business account
  • Watch for low balances in the months before applying
  • Keep three months of statements ready to share

Revenue-based financing vs a bank loan

Merchant Fund Express
Traditional bank loans
Basis for amount
Your salon's deposits
Collateral and tax returns
Paperwork
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Stronger credit expected
First credit check
Soft pull
Hard pull is common
Speed
As little as 24 hours if qualified
Several weeks typical

Fund your salon's growth with your revenue

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

Apply for Funding
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