Stock skincare retail, professional products, linens and supplies before the busy season. $25,000 to $5,000,000, funding in as little as 24 hours for qualified businesses.
Stock My ShelvesSpa Inventory Funding
Holiday retail, new product lines and bulk back-bar orders all ask for cash up front. We fund spa inventory based on your bank deposits.
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.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Steady service and retail deposits matter most.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in the offer, so you can plan it against retail sell-through.
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.
A spa runs on two kinds of inventory. There is back-bar stock, the professional products, massage oils, wax, masks and disposables used in every service. Then there is retail, the cleansers, serums and gift sets clients take home. Both tie up cash, and brands often reward larger orders with better pricing or exclusive lines.
Merchant Fund Express offers inventory funding for spas so you can stock up when it makes sense instead of when cash happens to allow it.
Skincare has shelf life, and slow-moving retail just sits. Before you order, look at what actually sold last season and what your therapists use per week. Fund the inventory you can turn, not the inventory a sales rep wants you to carry. Our spa cash flow guide has a few simple ways to track retail turnover.
If you restock often through the year, a line of credit lets you draw for each order. For one larger buy, working capital may be simpler.
Apply in about 5 minutes with around three months of business bank statements. We start with a soft credit pull, do not require tax returns, and consider FICO 500+. Sole proprietors can apply. The offer shows the full repayment amount and the schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses. Start here.
Yes. Funds can go toward retail products, professional supplies, linens, disposables or any mix the spa needs.
No, though having the order total ready helps you request the right amount.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations.
We start with a soft credit pull. FICO 500+ is considered.
It can be for spas with steady card sales, because remittances are tied to sales. Compare it with a line of credit before deciding.
Yes. Sole proprietors can apply. We review the deposits flowing through your business bank account and any existing financing, then size the offer from there. Keeping retail and service sales in one account makes that picture clearer.
Example uses for illustration only.
Smart inventory requests start with a few quick checks.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding