The calendar says you are booked. The bank says rent is due Friday. Working capital covers the days between a full schedule and a full account.
Apply Now →Appointments are paid after service, in small amounts, over many days. Costs are the opposite: rent on the first, product invoices on terms, stylist pay every week or two. Even a busy shop can see its balance drop to zero just before a cluster of bills.
This is a timing issue, which is exactly what working capital is for. The goal is to cover the lag, not to fund a business that is losing money.
| Cost | Pattern | Ways it surprises owners |
|---|---|---|
| Rent and utilities | Fixed monthly | Unchanged in a slow week |
| Color, product and supplies | Bought in bulk, used over weeks | Paying for a big order before the services that use it |
| Stylist pay or commissions | Weekly or biweekly | Due even when a stylist's clients cancel |
| Marketing and booking software | Monthly | Easy to forget until it adds up |
Working capital buys time, but the gap closes only when bookings return. A shop that took funding because a stylist left, for example, should plan how the chair gets filled: a new hire, a rebooking campaign for the departed stylist's clients, or an adjusted service menu. Funding without a plan for the cause tends to repeat the problem a few months later.
Write the cause of the gap in one sentence before applying. If you cannot, the number you are asking for may not be the right one.
Many salons have peaks around prom, graduations, weddings and holidays, and soft spots in between. The spending for the peak, such as extra products and staff hours, often arrives before the revenue does. A working capital request can be matched to that: size it to the specific upcoming period, not to an open-ended wish.
If your gap is less than our range, a smaller step may serve you better: asking a product supplier for extended terms, negotiating a one-month rent deferral, or moving a few appointments into off-peak slots with a modest discount. If the gap is larger or the need is more structural, funding in our range may fit. Choosing the smallest effective solution is usually the cheapest.
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. Terms depend on the offer and are shown in it; read them before accepting.
Size it to the gap between fixed costs and your slowest expected weeks. Our range starts at $25,000.
Yes. Describe your business model in the application.
No. Working capital covers a defined gap, while a line is reusable.
Yes.
No. It is a soft credit pull.
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
