We underwrite salons the way salons actually work.
Backbar Capital is a direct funding source for salons, spas, barbershops, nail studios and med spas, based in Miami, Florida. We underwrite working capital, lines of credit and factoring in-house, off your bank statements, with 2-page contracts and no cut of your card sales.
What we are
Backbar Capital is a direct funding source for beauty businesses: hair salons, barbershops, nail studios, day spas, med spas, lash and brow studios, massage, tanning and the rest of the personal-care trade. We underwrite working capital advances, lines of credit and factoring facilities in-house, off your bank statements, and we fund them from our own capital. SBA 7(a), SBA Express and term loans above $500,000 are packaged by us and placed with our bank and SBA-preferred lending partners, because that is who funds those products.
Backbar Capital is headquartered at 9719 S Dixie Hwy #8, Miami, FL 33156.
What we believe about this industry
Salons get underwritten badly. The standard model reads a January that runs well under December as instability rather than as the normal shape of a business built on a six-week client cycle and a December gift-card rush. It treats a single processor’s feed as the whole picture when a salon’s money actually arrives five ways: card settlements, booking-app payouts, cash services and tips, booth rent, and retail off the wall.
And it treats the staffing model as a risk. A floor that is half booth renters and half commission stylists is not a confusing business. It is how a large share of the industry is run, and the deposits it produces are as readable as anyone else’s.
So we read salons differently: average daily balance over top line, deposit consistency over a single good month, your floor instead of your average, and every deposited dollar counted whether it came through a terminal, an app, or the till.
How we work
In-house first
Every file goes to our own underwriting desk before it goes anywhere else. You get a real answer from the people who make the decision.
Numbers before signatures
Amount, total payback, payment and schedule, on screen, before you commit to anything. The contract is two pages.
Call us before you stack
If the payment stops working, we would rather re-term a live file than watch an owner take a third and fourth position. That conversation costs you nothing.
No automated outreach
We don’t run drip campaigns. If you hear from us, it’s a person who has read your file.
The straight version of what this costs
Fast money is expensive money. A 12-month working capital advance is the most expensive product we offer, and it exists because a dead water heater on a Saturday with a full book doesn’t wait 45 days for an SBA approval. If you have 680 credit, two years of returns and a month of runway, SBA will cost you a fraction of what we charge for an advance, and we will tell you that on the phone. We would rather place you correctly once than fund you wrong twice.
Backbar Capital is a new brand and does not claim otherwise. We do not publish testimonials we did not receive, funded-volume figures we cannot support, or awards we did not win. Every number on this site is a real criterion or a representative example, labeled as such. See compliance and disclosures.
More: the five products · who we fund · compliance & responsible funding · the partner program · contact.
Talk to the desk that makes the decision.
In-house underwriting, a two-page contract, and a person on the phone who has read your file.