Keep groomers paid and shelves stocked through slow months. Bank-statement review, FICO 500+ considered, funding in as little as 24 hours if qualified.
Apply NowWorking Capital
Grooming revenue rises and dips with the seasons. Working capital smooths the dips so payroll and rent are 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.
About 5 minutes plus three months of bank statements. No tax returns. Qualified salons can be funded in as little as 24 hours.
FICO 500+ considered, with deposits and current obligations weighed alongside the score.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out up front, so you can plan around the quiet weeks.
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.
Grooming demand follows the calendar. Spring shedding, summer cuts and holiday bookings fill the schedule, then late winter goes quiet while rent, payroll and supplies stay the same. Working capital bridges those stretches so you can keep good groomers on staff instead of cutting hours.
We review about three months of business bank statements and consider FICO 500+. No tax returns are required, and the application takes about 5 minutes.
| Expense | Why it matters |
|---|---|
| Groomer payroll | Skilled groomers are hard to replace if you lose them in a slow month |
| Rent and utilities | Dryers and hot water run up power and water bills |
| Supplies | Shampoos, blades, towels and sanitizers are bought in bulk |
| Marketing | Filling the book before the holidays |
Our pet grooming slow season funding page covers seasonal planning in more detail.
The amount depends mainly on your deposits and existing obligations. For illustration, a salon depositing steady card revenue with no other advances will usually be offered more than a similar salon already carrying two. We fund from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Your offer lists the full repayment amount and the repayment schedule before you accept.
Most groomers can sketch their year from memory: a spring rush as coats blow out, steady summer cuts, a lull in early fall for some shops, then a heavy stretch before Thanksgiving and the winter holidays. January and February are often the quietest months. Knowing that pattern is the best tool you have for using working capital well.
For illustration, an owner might draw on working capital in January to keep two senior groomers on full schedules and run a rebooking promotion, then rely on spring revenue as bookings return. The key is to check that the repayment schedule in your offer fits the quiet months, not just the busy ones. We would rather you take a smaller amount that fits than a larger one that strains the salon.
It also helps to know your own numbers: average ticket, appointments per groomer per day and how many clients rebook at checkout. Those figures tell you how quickly a slow stretch turns around.
Established grooming salons, mobile groomers and boarding-and-grooming combos with steady deposits. Sole proprietors can apply. If you want flexibility to draw only what you need, look at a business line of credit for pet grooming as well.
Day-to-day costs: payroll, rent, utilities, supplies and marketing, especially during slower months.
No. We review about three months of business bank statements.
We start with a soft credit pull, which does not affect your score.
Qualified businesses can be funded in as little as 24 hours.
Funding starts at $25,000 and goes up to $5,000,000 depending on deposits and existing obligations.
Not necessarily. Choose the amount that fits your needs and your slowest months. Your offer shows the full repayment amount and schedule so you can decide.
Example uses for illustration only.
Small habits make working capital easier to qualify for and manage.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding