Merchant Fund Express
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Inventory Funding for Salons

Stock color, backbar and retail when the deals are good. Funding from $25,000 based on your salon's deposits, in as little as 24 hours for qualified businesses.

Stock Up Now

Salon inventory funding

Order the full case, not just what cash allows today

Distributor specials and holiday retail do not wait for your receivables. Apply in about five minutes with three months of 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.

Inventory money that keeps pace

Five minutes to apply

Short application, about three months of business bank statements and no tax returns. Fast enough to catch a show special.

Flexible on credit

FICO 500+ considered. We look closely at how steady your salon's deposits are.

Clear total cost

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Predictable repayment

Your repayment schedule is laid out in the offer up front, so you can plan it against retail sell-through.

Payroll before sales come in?

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.

Product is cash sitting on a shelf

A salon carries two kinds of inventory. Backbar product, like color, developer, lightener and treatments, gets used up in services. Retail product, like shampoo, styling tools and skin care, earns margin at the front desk. Both have to be paid for before they earn anything, and distributors tend to run their best pricing on volume orders that land right when cash is tight.

Inventory funding for a salon lets you buy at the right time and the right quantity rather than ordering one case at a time.

Common reasons salons fund inventory

Which product fits an inventory buy

For a single opening order or holiday stock-up, working capital for salons keeps it simple. If you restock several times a year, a business line of credit lets you draw for each order. Owners whose retail sales swing with the season sometimes prefer revenue-based financing, where repayment follows sales. Whatever you choose, your offer shows the full repayment amount and schedule before you accept.

What we need from you

About three months of business bank statements, a five-minute application and a soft credit pull to start. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply. Qualified salons can be funded in as little as 24 hours, which matters when a show special has a deadline. Apply now and have your distributor quote ready.

Buying smart

Fund inventory that turns. Backbar color you use weekly and retail that has sold through before are safer bets than a brand-new line no client has asked for. For illustration, an owner might fund a large color order and a holiday retail display together, then size the request to what the salon moved last year. Product that sits for a year ties up cash you could have used elsewhere, so buy what your clients already reach for.

Frequently Asked Questions

Can I use inventory funding for retail and backbar product together?

Yes. Many salons fund both in one request, especially before the holidays.

How much inventory funding can a salon get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations, not on the size of the distributor order.

Do you pay the distributor directly?

Funds go to your business account, so you can pay distributors, brand reps or online suppliers however you normally do.

Do you need my tax returns?

No. We look at about three months of business bank statements.

How do I know what I will repay?

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

Color order $32,000.00
Holiday retail $45,000.00
New product line $38,500.00
Extension stock $27,000.00

Example uses for illustration only.

How to improve your chances

These moves make an inventory request stronger and the stock easier to sell through.

  • Track which retail lines actually sell through each quarter
  • Get written distributor quotes before you apply
  • Deposit all retail and service sales to one account
  • Size the order to last year's sales, not hopes

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Funding range
$25,000 to $5,000,000
Often smaller or slower to approve
Speed
As little as 24 hours if qualified
Often several weeks
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

Fill the shelves before the rush

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

Apply for Funding
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