Funding for the chair, the room and the retail wall.
Backbar Capital funds salons, spas, barbershops, nail studios and med spas directly — $10,000 to $2,000,000, decided off your bank statements, in your account in 24 hours. No minimum credit score. No cut of your card sales. Service and retail deposits both count.
4-minute application. Checking your options does not affect your credit.
A salon’s money arrives five different ways. We count all five.
Card settlements from the front desk. Payouts from Vagaro, Square or Booksy. Cash services and the cash tips that get deposited. Booth rent from the renters down the hall. Product and retail off the wall. A lender that reads one processor’s feed sees a fraction of that and sizes your offer off the fraction.
Backbar Capital underwrites the bank statement, so a shop that runs half its floor on booth rent and half on commission payroll is a normal file, not a confusing one. Repayment is a fixed daily or weekly ACH out of your operating account — a number you know before you sign, that doesn’t ride up and down with your card volume and doesn’t touch your booking-app deposits.
- No split of card settlements, no holdback percentage, no lockbox
- Booth rent, commission payroll, or a mixed floor — all fine
- Works with any booking app or processor, or none
- Med spas, massage, tanning and tattoo studios approved
What counts toward your approval
January and February are slow for almost every salon and spa, and December is the opposite. A percentage holdback takes the most in the month you can least afford it. A fixed debit is a number you can put on a calendar and plan a quiet February around. If the payment stops working, you call us and we re-term it.
Five ways to fund a salon.
The fastest money costs the most. The cheapest money takes the longest. Here is the whole trade-off, with no form in the way.
Working capital
In‑houseA refresh, a slow January, payroll before the holiday rush. No minimum FICO.
Working capital →Line of credit
In‑houseRestock the backbar and the retail wall without draining the account. 600+ FICO.
Line of credit →Invoice factoring
In‑houseFor spas and clinics billing corporate wellness, hotels or insurers on net terms. Up to 90% advanced.
Invoice factoring →Term loan
Bank partnersA second location, a suite buildout, buying out a partner. 650+ FICO.
Term loan →SBA 7(a) & Express
SBA partnersBuy the salon you work in, or the building it sits in. 10% down, 680+ FICO.
SBA 7(a) & Express →See your numbers before you apply.
Move the sliders. These are the three numbers that matter on a working capital advance — what you get, what you pay back, and what leaves your account between appointments.
Your estimate
A $150,000 advance over 12 months, repaid daily.
- Daily payment
- $756
- Total payback
- $190,500
- Cost of funding
- $40,500
- Paid off in the first 30 days, you keep up to
- $12,150
Estimates only, at a representative cost for a file that meets our standard criteria. Daily figures assume 21 business days a month; weekly figures assume 52 weeks a year. Payment amounts round up, so the debit is never larger than the number you were shown. Your real offer depends on underwriting your bank statements. An illustration, not an offer.
Get my real offer →With JavaScript off, the default case still holds: a $150,000 working capital advance over 12 months has a total payback of $190,500, a cost of funding of $40,500, a daily payment of $756 across 21 business days a month, and a weekly payment of $3,664. An illustration, not an offer. See disclosures.
What a salon or spa needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split of your card settlements. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Cash services and cash tips | Counted when they are deposited. We underwrite bank deposits, not one processor’s feed. |
| Booking app or processor | None required. Vagaro, Square, Booksy, GlossGenius, Fresha, Mindbody, Boulevard, Phorest, Zenoti, or a cash drawer — it makes no difference to underwriting. |
| Booth rent and commission | Both fine. Booth-rent income, commission payroll and a mixed floor are all normal here; we read the deposits, not the staffing model. |
| Beauty business types approved | Hair salons, barbershops, nail salons, day spas, med spas and aesthetics clinics, lash and brow studios, waxing studios, massage and bodywork, tanning and body contouring, salon suites and suite landlords, blow-dry and braiding bars, tattoo and piercing studios, multi-location groups and franchises, booth renters, wellness and sauna studios, and retail-heavy salons. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A specific booking app. A minimum number of chairs, rooms or locations. Ownership of the building. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Sixteen kinds of beauty business. One set of criteria.
Including the four categories most lenders decline by industry code — marked in gold.
- Hair salons
- Barbershops
- Nail salons & studios
- Day spas
- Med spas & aesthetics
- Lash & brow studios
- Waxing & sugaring studios
- Massage & bodywork
- Tanning & body contouring
- Salon suites & suite landlords
- Blow-dry & braiding bars
- Tattoo & piercing studios
- Multi-location groups & franchises
- Booth renters & independent stylists
- Wellness, sauna & cryo studios
- Retail-heavy salons & beauty supply
Four minutes to apply. Twenty-four hours to fund.
Send us four minutes and three statements
Name, EIN, monthly revenue, what the money is for, and your three most recent months of business bank statements. Four if your year has a real slow season. No tax returns under $500,000.
An underwriter reads your file
Every file is read by a person, not a score. Card settlements, booking-app payouts, cash services and retail all count because they all land in the same account. We look at average daily balance, deposit count, NSF pattern and your slowest month. Offer in about four business hours.
Sign two pages and get funded
You see the amount, the payback, the payment and the schedule before you sign anything. A clean file signed before 11:00 AM ET generally funds the same day; otherwise next business day.
Built by people who have read a salon’s bank statement.
Your January isn’t a red flag to us.
Most underwriting models punish a January that runs well under December. We read the post-holiday dip as the shape of the business, not instability. If your year has a real slow season, send four months of statements instead of three and we’ll size the payment against your floor, not your average.
We fund the whole floor, not just the card terminal.
Booth rent, commission payroll, cash services, booking-app payouts and retail all land in the same operating account. A processor-based lender sees one slice. We underwrite the deposits, so every slice counts toward what you qualify for.
Re-term it instead of stacking it.
If the payment stops working, call us before you take a second position somewhere else. We’d rather restructure a live file than watch an owner end up on four advances. That conversation costs you nothing.
A two-page contract you can read between clients.
Amount, payback, payment, schedule, prepayment discount. Two pages. If something in it isn’t clear, ask on the phone and we’ll walk the line with you.
Questions salon and spa owners actually ask.
Can I get salon funding with bad credit?
Yes. Backbar Capital has no minimum credit score for working capital advances or invoice factoring. We underwrite your business bank statements — deposit volume, average daily balance, NSF pattern, and month-to-month consistency. A line of credit needs 600+, a term loan 650+, and an SBA loan 680+.
How much can a salon or spa borrow?
Backbar Capital funds $10,000 to $2,000,000 in working capital, and up to $5,000,000 on term loans, SBA 7(a), and factoring facilities. Working capital approvals generally land between 75% and 150% of one month’s bank deposits.
How fast can a salon get funded?
About four business hours to an offer on a complete file, and 24 hours to funding. A clean file signed before 11:00 AM ET generally funds the same day.
Do you take a percentage of my card sales or booking-app payouts?
No. Backbar Capital repays by a fixed daily or weekly ACH from your business operating account. There is no split of your card settlements, no holdback percentage on your Vagaro, Square or Booksy payouts, and no lockbox. You keep 100% of every service and every retail sale as it settles.
My stylists are booth renters. Does that count as revenue?
Yes. Booth rent that lands in your business account is a deposit like any other, and so is the commission-floor revenue you keep. We underwrite the deposits, not the staffing model, so a salon running a mixed floor of renters and commission stylists is a normal file here.
Do cash services and cash tips count?
Cash counts when it is deposited. A barbershop or nail salon that takes a meaningful share of its services in cash is invisible to a lender reading a single processor’s feed. We read the bank statement, so every dollar you deposit counts toward what you qualify for. Tips that are paid straight through to staff and never hit the account do not.
What documents do I need?
A four-minute application and your three most recent months of business bank statements — four months if your year has a real slow season. No tax returns under $500,000, no business plan, and no collateral for working capital.
Do I need a specific booking app or processor?
No. Backbar Capital works with Vagaro, Square, Booksy, GlossGenius, Fresha, Mindbody, Boulevard, Phorest, Zenoti, or no booking software at all. Underwriting is based on bank deposits, so a cash-drawer barbershop qualifies on the same terms as a fully app-booked med spa.
What happens if I pay it off early?
You keep up to 30% of the remaining cost of funding. A working capital advance paid off inside the first 30, 60, or 90 days qualifies for a prepayment discount of up to 30% on the remaining cost of funding.
What is the minimum monthly revenue for salon funding?
$15,000 a month in business bank deposits, with a minimum of 6 months in business and a U.S. business bank account. Backbar Capital funds in all 50 states.
Your slow season has a date on it. Get ahead of it.
$10,000 to $2,000,000. No minimum FICO. Four minutes to apply.
Mon–Fri, 9:00 AM – 7:00 PM ET · Fund salons and spas for a living? See the partner program → · What you need to apply · Contact · About · Guides