Merchant Fund Express
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Payroll Funding for Salons

Keep stylists and staff paid through slow weeks, closures or renovations. Apply in 5 minutes with about three months of bank statements.

Cover Salon Payroll

Salon Payroll Funding

Keep your best stylists, and the clients who follow them

Bookings rise and fall, but payroll stays. We fund salons based on deposit history and show the full repayment amount before you accept.

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.

Payroll funding built for salons

Quick and paperwork-light

Apply in about 5 minutes with roughly three months of statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO scores from 500 are considered, and we start with a soft pull. Steady card deposits carry weight.

Clear costs, no surprises

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

Predictable payments

The repayment schedule is laid out in the offer, so you can plan around slow and busy seasons.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Salon payroll does not flex the way bookings do

Salon revenue follows the calendar. Holidays, prom and wedding season fill the book, while January and late summer can go quiet. Commissioned stylists feel some of that, but hourly assistants, front desk staff, managers and payroll taxes do not shrink with the schedule. Add a week closed for a renovation or a broken water heater, and payroll can come due before the money is there.

Payroll funding gives you cash to pay your team on time, so you keep the stylists your clients book with.

Why keeping your team matters so much

In a salon, clients often follow their stylist. A missed or late payroll can push a top performer to a competitor or to renting a suite on their own, and their book of clients goes too. Covering a short payroll gap is often far cheaper than replacing a stylist and the revenue they bring.

Paying on time also protects morale at the front desk and among assistants, who keep the day running and often grow into your next stylists.

How we review a salon

We look at about three months of business bank statements, including card deposits, along with what you already owe. FICO scores from 500 are considered, and we start with a soft credit pull. No tax returns are needed, and sole proprietors can apply. See how salons qualify for more on the factors funders weigh.

Options that fit salons

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

For illustration: a slow January

A salon with eight stylists sees bookings fall after the holidays while hourly staff and payroll taxes stay the same. The owner uses working capital to cover two pay periods and repays on the offer's schedule as spring bookings pick up. This example is for illustration only. Ready to start? Apply in about 5 minutes, and qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

Can a salon use funding to cover payroll taxes?

Yes. Wages, payroll taxes and related staffing costs are common uses of working capital.

I rent chairs to booth renters. Does that income count?

Booth rent deposited into your business account is part of your deposit history, which funders review alongside your service and retail sales.

How much payroll funding can a salon get?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Can I apply as a sole proprietor?

Yes. Sole proprietors can apply.

Will applying affect my credit score?

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

Two pay periods $32,000.00
Payroll taxes $9,500.00
New stylist ramp $14,000.00
Reno week wages $18,500.00

Example uses for illustration only.

How to improve your chances

These habits help salons smooth out payroll over the year.

  • Push prebooking at checkout to fill slow months
  • Run slow-season promotions on high-margin services
  • Deposit all service and retail sales to one business account
  • Set aside part of holiday revenue for January payroll

Salon payroll funding: us vs a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks to close
Sole proprietors
Can apply
Fewer options

Keep your salon team paid on time

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

Apply for Funding
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