A salon runs on a handful of numbers: chairs filled, product used, rent paid. Working capital is the cushion that keeps those numbers from colliding in a slow month.
Apply Now →Ask a salon owner about their year and they will describe it in seasons: heavy before holidays, weddings and school events, lighter in the weeks after. Fixed costs do not follow that pattern. Rent, insurance, software subscriptions and a few base-pay arrangements run the same each month. When bookings dip, the margin that covers those costs thins out first.
Working capital bridges that. It is not tied to a particular purchase, so it can cover payroll for a quiet stretch, a product order, a deposit on a second location or a repair. The common thread is timing, not growth for its own sake.
If the trend is down and the reason is unclear, funding buys time but does not fix the cause. Time is only worth buying if you will use it to change something.
When a stylist leaves, the chair sits empty while you recruit. That is a cost you did not budget for.
Gift sets and retail lines sell best in a short window, and the order has to be placed early.
If you are expanding, chairs, build-out and product inventory all need cash before the doors open. Consider equipment financing for the chairs and fixtures and use working capital for the rest.
Advertising in the weeks before a rush costs money now and pays off later.
For illustration only, not our terms or a typical outcome. An owner expects January through March bookings to run about a third lower than the fall. Fixed monthly costs are $12,000, and the shop covers about $8,000 of that from deposits in a slow month. That leaves a monthly gap of roughly $4,000, or $12,000 across the quarter. A funding amount sized to that gap, not to the largest number offered, is the kind of request that tends to make sense.
The process is short: about five minutes online, then about three months of business bank statements. No tax returns are needed. The credit pull is soft, we consider FICO scores of 500 and above, and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours. Apply here when you have the amount in mind.
About three months of business bank statements and a short application. Tax returns are not required.
Many owners use working capital to cover fixed costs through predictable dips. Size the amount to the gap, not the maximum offered.
Not necessarily. If the purchase is a specific piece of equipment, compare it with equipment financing, where that asset is the focus.
Yes. Sole proprietors can apply.
In as little as 24 hours once the application is complete and reviewed.
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
