Cover payroll, rent, and product through busy and quiet seasons. From $25,000 with a soft pull to start and no tax returns required.
Get StartedWorking Capital
Holiday rushes and late-winter lulls are part of the spa business. Working capital keeps your team paid and shelves stocked while bookings rise and fall.
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 plus about three months of statements. Qualified spas can be funded in as little as 24 hours.
FICO 500+ considered. Consistent client bookings and card sales count.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you can plan around seasonal swings.
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.
Spas have a rhythm. The weeks before the holidays, Valentine's Day, Mother's Day, and wedding season can be packed. Late winter and the middle of summer can be quiet, depending on your market. Through all of it, rent, therapist and esthetician pay, laundry service, utilities, and product orders keep coming.
Working capital is money for the everyday running of the business. It smooths out those swings, and it gives you room to act when an opportunity shows up, like a chance to take over the suite next door.
Hiring and training a new massage therapist or esthetician before their book fills, or keeping your team paid through a slow stretch.
Backbar supplies, oils, masks, and retail lines, especially before gift season. Our inventory funding page covers this in more depth.
Robes, linens, relaxation lounge upgrades, and the small touches clients notice.
Covering fixed costs until bookings pick back up. See spa slow season funding for planning ideas.
We look at about three months of business bank statements to understand your deposits and current obligations. No tax returns are required. FICO scores from 500 up are considered, and the first step is a soft credit pull. Funding runs from $25,000 to $5,000,000, and the amount offered depends mainly on your deposits and what you already owe.
The 5-minute application gets things started, and qualified businesses can be funded in as little as 24 hours.
Say a day spa with six treatment rooms wants to hire two therapists ahead of the holidays and stock up on gift sets. The owner estimates training wages for the new hires before they are fully booked, plus the retail order, and lands on roughly $40,000. For illustration only, that is the kind of specific, purpose-built number that makes an offer easier to match to the need. Your figures will be your own.
If the need is one-time, a lump sum of working capital fits. If cash gaps recur every slow season, a business line of credit can be drawn as needed. A merchant cash advance ties repayment to card receivables. Our spa cash flow guide helps you sort out which pattern you are dealing with.
Yes. Keeping therapists and front desk staff paid through a slow month is one of the most common uses.
No tax returns are required. We work from about three months of business bank statements.
Yes. Sole proprietors can apply. Steady business deposits are what matter most.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and any existing financing.
Your offer lays out the full repayment amount and the schedule before you accept.
Example uses for illustration only.
These steps help us see the real strength of your spa.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding