Bridge the quiet months, keep your best therapists and prepare for the next rush. $25,000 to $5,000,000, funding in as little as 24 hours for qualified businesses.
Plan My Slow SeasonSpa Slow-Season Funding
Gift card redemptions and fewer new bookings squeeze spa cash flow in the off-season. We fund the gap so fixed costs and core staff stay covered.
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.
Apply in about 5 minutes with around three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We read your deposits with your seasonality in mind.
Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is in the offer, so you can test it against your slow months first.
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 demand follows the calendar. Holiday gift cards, Valentine's Day, Mother's Day, prom and wedding season tend to fill the book. Then come the weeks when clients are paying off holiday spending, traveling, or simply not thinking about a facial. Rent, utilities, linens and your core staff do not take a break during those weeks.
Merchant Fund Express offers slow-season funding for spas so you can ride out the quiet period without cutting the team you will need when demand comes back.
The best use of slow-season capital is not just survival. Many owners use the downtime to get ready for the next rush:
Gift cards sold in December bring cash in early, but they are redeemed later, often in the slower months. That means you are delivering services without new cash coming in for them. Our spa cash flow guide talks through tracking gift card liability so the slow season does not catch you off guard.
If you want access to funds you draw only when the season dips, compare a line of credit with a merchant cash advance on our comparison page.
We look at roughly three months of bank statements and your existing obligations. Because seasonality shows up in deposits, it helps to tell us where you are in your cycle. FICO 500+ is considered, sole proprietors can apply, and we start with a soft credit pull. The offer shows the full repayment amount and the schedule before you accept, so you can check that payments fit the slow months. Start your application.
We look at the overall pattern and what you already owe. Explaining your seasonality helps us read the statements in context.
Ideally before the slow stretch starts, while deposits still reflect busier months and you have time to plan.
Yes. Many spas use quiet weeks to refresh rooms, replace furniture or add a new treatment area.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations.
No. About three months of business bank statements is the core of the application.
Example uses for illustration only.
A little planning makes the slow season easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding