A chair full of customers is a good week; an empty one still owes rent. A line of credit gives a salon or barbershop room to breathe between bookings and bigger purchases.
Apply Now →A salon's income is made one appointment at a time. Costs, by contrast, arrive in big pieces: rent, product orders, insurance, software and, for owners who employ stylists, payroll. Barbershops follow a similar rhythm with faster appointments and heavier walk-in traffic.
Because income is spread across many small payments while costs come in lumps, a flexible source of cash like a line of credit can smooth the difference. Check how the specific line charges for use in the offer you receive.
| Structure | Cash-flow feature |
|---|---|
| Owner with employed stylists | Payroll on a fixed schedule, whatever the bookings |
| Suite or booth rental model | Rent comes in steadily, but the owner carries the lease and build-out |
| Owner-operator, one or two chairs | Income depends on the owner's own hours; time off is lost income |
Which model you run changes the kind of gap you face and how large it is.
Salon traffic dips after holidays, during extreme weather and in the weeks before school begins. A line of credit is most useful when the owner has identified those dips in advance and knows roughly what they will cost. Look back at the last twelve months of income, mark the three weakest weeks and compare them to your fixed costs. The difference is the cushion you want available.
Remember that a line is not income. It buys time to rebuild bookings, so pair it with a plan: a promotion, a rebooking push or a new service to fill the chairs.
The step from working behind one chair to running a team is one of the biggest in the business. It adds payroll, scheduling, product management and often a larger space. A line of credit can help an owner carry the first months of that change, when new stylists are not yet fully booked but are already on the schedule. Plan for how many weeks it takes a new stylist to reach a full book in your shop, and fund that period explicitly rather than hoping it will be short.
We fund from $25,000 to $5,000,000, and some applicants are funded in as little as 24 hours. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply, which is the usual structure for many independent shops. Terms depend on the offer, and you should read it fully before deciding.
Sole proprietors can apply. The range starts at $25,000, so consider whether you need that scale.
Product stock is a common draw, subject to the offer's terms.
A line is a reusable source of funds. A cash advance is a one-time amount repaid from receipts.
No. The application uses a soft pull.
$5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
