Gift cards, memberships and seasonal peaks make spa revenue uneven. See how to plan around it, and how funding helps with upgrades and slow months.
See OptionsSpa cash flow
Treatment rooms, products and talented therapists all cost money before guests pay. We fund spas from $25,000 to $5,000,000.
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.
5-minute application with about three months of bank statements. As little as 24 hours to funding for qualified spas.
FICO 500+ considered. Your deposits tell most of the story.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in your offer up front so you can plan around slow and busy months.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Spa cash flow is shaped by a few unusual patterns. Gift cards and memberships bring money in before services are delivered. Holiday and Mother's Day rushes are followed by quieter stretches. Meanwhile treatment rooms, steam and sauna equipment, linens, and professional skincare lines all need regular spending to keep the experience premium.
Gift card sales in December feel like a windfall, but those services get redeemed later, often in slower months, when you still pay therapists for the time. Treat prepaid sales as money you owe in services, not extra profit. Memberships work the same way: steady, but with a service commitment attached. A simple monthly report showing gift cards sold, gift cards redeemed and the balance still outstanding tells you how much future service time is already paid for. That number helps you schedule therapists, decide when to run promotions, and avoid treating last December's sales as this spring's spending money. Update it monthly and keep it next to your bank balance.
Adding a couples suite, a hydrotherapy room or a full renovation is a multi-step spend: design, contractors, equipment and sometimes reduced capacity while rooms are offline. Map out when each cost lands and how much revenue you expect to lose during the work. If you sell gift cards to fund part of the project, remember those services are owed later. Funding sized to the full project timeline, rather than the equipment invoice alone, helps you avoid a tight month mid-build. For more detail, see how spas qualify and spa slow season funding.
We offer a merchant cash advance for spas based on card sales, a business line of credit for spas for seasonal swings, and equipment financing for treatment and wet-area equipment. Funding runs from $25,000 to $5,000,000, with about three months of bank statements and no tax returns. Apply online in about 5 minutes.
Yes. Equipment financing and working capital are both used for wet-area and treatment equipment.
We look at your actual deposits over recent months. Large prepaid sales show up in deposits, and the services you owe later are part of your planning.
FICO 500+ is considered. Steady deposits weigh heavily.
Qualified businesses can be funded in as little as 24 hours.
Yes. Sole proprietors can apply.
It depends on the need. A lump sum suits one project; a line suits recurring seasonal gaps. Your offer shows the full repayment amount either way.
Example uses for illustration only.
These habits help spa owners see their real cash position.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding