Keep therapists, estheticians and front desk staff paid on time through slow weeks and surprise expenses. Funding in as little as 24 hours for qualified businesses.
Cover My PayrollSpa Payroll Funding
Losing a therapist over a late paycheck can cost you their regulars too. We fund spa payroll gaps based on your bank deposits, without tax returns.
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 card and booking deposits count for a lot.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The payment schedule is laid out in the offer so you can plan around your pay periods.
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.
In a spa, people are the product. Massage therapists, estheticians, nail techs and the front desk team are what clients pay for, and payroll is usually the biggest line on the P&L. When bookings dip or a large expense lands the same week as payday, the pressure is real. Missing payroll even once can cost you your best therapist, and their regulars tend to follow them.
Merchant Fund Express offers payroll funding for spa owners so staff get paid on time while revenue catches up.
If the slow season is the real driver, see our page on slow-season funding for spas.
Payroll is recurring, so think about how often you will need help. For a one-time gap, working capital for spas provides a lump sum. If gaps show up several times a year, a business line of credit lets you draw only when needed. Spas with heavy card volume sometimes prefer a merchant cash advance or revenue-based financing, where remittances follow sales.
We review about three months of business bank statements, how steady your deposits are, and what you already owe. No tax returns are required. FICO 500+ is considered, sole proprietors can apply, and we start with a soft credit pull. Your offer lays out the full repayment amount and the payment schedule before you accept.
For illustration, a spa with eight staff might request enough to cover two pay periods while a renovation slows bookings. Your actual offer depends on your deposits and current obligations. Apply in about 5 minutes.
You can use the funds for payroll, payroll taxes, commissions and related staffing costs. Many spa owners also use part for supplies or rent.
Funding can arrive in as little as 24 hours for qualified businesses after you accept the offer.
No. We work from about three months of business bank statements.
Yes. Sole proprietors can apply. We look at the deposits running through your business account.
Your offer shows the repayment schedule up front, so you can check how it lines up with your pay periods before accepting.
Example uses for illustration only.
These steps can help your spa get a stronger payroll offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding