Merchant Fund Express
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Emergency Funding for Salons

Flood, break-in, failed inspection or surprise bill? Get your salon reopened. Funding from $25,000, in as little as 24 hours for qualified businesses.

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Salon emergency funding

Get the doors open and the chairs full again

When something breaks, every closed day costs bookings and staff. Apply in about five minutes with three months of bank statements and 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.

Emergency money, clearly explained

Fast and light on paperwork

Five-minute application, about three months of business bank statements and no tax returns.

Credit flexibility when it counts

FICO 500+ considered. We weigh your salon's deposit history, not only the score.

No surprises in the fine print

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

Repayment you can plan

The repayment schedule is laid out in your offer, so you know what to expect as bookings recover.

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.

The day nothing goes to plan

A pipe bursts overnight and the floor is under an inch of water. Someone breaks the front glass and takes the retail stock and the register. A landlord hands you a surprise repair assessment, or a health inspection flags ventilation that has to be fixed before you reopen. Every one of these has a bill attached, and none of them waits for next month's revenue.

Emergency funding for a salon is about getting doors open and stylists working again as quickly as you can.

What owners typically cover

If the problem is one machine, our salon equipment repair funding page goes deeper.

Moving fast without making it worse

Speed matters, but so does knowing what you are signing. Every offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. For a one-time hit, working capital is usually the simplest choice. A merchant cash advance ties repayment to card sales, which some owners prefer while bookings recover.

What we need

A five-minute application, a soft credit pull to start and about three months of business bank statements. No tax returns are required. FICO 500+ is considered and sole proprietors can apply. Decisions move fast, and qualified salons can be funded in as little as 24 hours. Apply now and tell us what happened.

Wondering whether your file is strong enough? See how funders evaluate salons.

Insurance and funding together

Insurance claims can take weeks to pay. Some owners use emergency funding to cover the immediate costs and then plan repayment around the claim. Keep photos, receipts and contractor quotes, since you will want them for the insurer and to size your request accurately. Ask your adjuster which costs the policy is likely to cover, and fund the rest so the salon is not waiting on paperwork to reopen. Once you are open, rebook canceled clients first.

Frequently Asked Questions

How fast can a salon get emergency funding?

Decisions move quickly, and qualified salons can be funded in as little as 24 hours.

Can I apply if my salon is temporarily closed?

Yes, you can apply. We look at about three months of deposits, so recent history before the closure is part of the picture. Funders weigh how long the closure may last and your existing obligations.

Should I wait for my insurance payout?

That depends on how long the claim will take and what the closure costs you each day. Some owners fund the immediate repairs and plan repayment around the claim.

What is the minimum amount?

Funding starts at $25,000 and runs up to $5,000,000.

Does applying affect my credit score?

We begin with a soft credit pull, which does not affect your score.

Water damage $46,000.00
Stolen stock $25,500.00
Code repairs $33,000.00
Staff pay $29,500.00

Example uses for illustration only.

How to improve your chances

A few habits make emergencies less damaging and funding easier to get.

  • Keep photos and receipts for every emergency expense
  • Review insurance coverage for water and theft yearly
  • Hold a small cash reserve in the business account
  • Keep all salon revenue flowing through one account

Emergency funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often several weeks
Credit check
Soft pull to start
Hard pull is common up front
Paperwork
About 3 months of bank statements
Tax returns, financials, projections
Tax returns
Not required
Usually two years required
Application
5-minute application
Long forms and branch meetings

Get back to business

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

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