Built for busy shops, not startups
This is for established salons, barbershops, day spas, med spas, nail studios and lash bars with a steady book. If your location brings in $60K or more a month and the bank still turned you down over credit, a revenue-based review is worth five minutes.
What same-day really means here
We will not promise same-day money. You get a fast decision, and qualified files can be funded in as little as 24 hours. Anything quicker depends on your file and your bank.
Where salons spend
- Styling chairs, shampoo stations, pedicure thrones
- Facial beds, lasers and treatment devices
- Retail product orders before the holidays
- A refresh or expansion into the space next door
- Covering stylist commissions during slow weeks
Products in plain English
Equipment financing: spread the cost of chairs or devices over time. Merchant cash advance: money now, repaid from future card sales, which suits card-heavy salons. Working capital: a lump sum for a remodel or slow stretch. Line of credit: draw when you need it.
Example: a day spa adding rooms
For illustration: a day spa grossing $95K a month leases the unit next door to add four treatment rooms. It needs build-out, two facial beds and an opening product order. The owner applies with three months of statements, gets a fast answer, and starts construction without pausing appointments.
Plan the repayment around your calendar
Salons and spas run on predictable peaks: prom, wedding season, the holidays. Weak spots tend to be January and late summer. When you apply, think about when the new chairs or rooms start paying for themselves. A merchant cash advance flexes with card sales, so slower weeks repay less. A fixed lump sum works best when you know exactly what the project costs and when it will be done.
How to apply
About three months of business bank statements and a 5-minute application. No tax returns. A soft credit pull starts it. FICO 500+ considered. Sole proprietor owners can apply. Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express. Credit repair is a separate service from Lucky Credit Pros and is not part of the funding decision. Start your application.
Frequently asked questions
My stylists rent booths. Does their income count?
Only deposits into the business account count. Booth rent you collect does count if it lands there.
Can a med spa apply?
Yes. Med spas with steady revenue can apply, and equipment financing can help with devices.
Is January a bad time to apply?
Not necessarily. Reviewers look at about three months, so one slow month sits alongside your stronger ones.
Will funding raise my credit score?
No. Funding and credit repair are separate. Funding does not change your score.
What is the most I can get?
Funding ranges from $25,000 to $5,000,000, based on your revenue history.
Can I finance a full salon remodel?
Working capital can cover build-out, and equipment financing can cover chairs, stations and devices. Many owners use both.