Talk to an underwriter, not a call center.
Call (888) 896-5559, Monday to Friday, 9:00 AM to 7:00 PM ET. Offices at 9719 S Dixie Hwy #8, Miami, FL 33156.
Apply
Four minutes and three months of bank statements. Offer in about four business hours.
Partners
Signed application + 3 months of statements, submitted through the partner portal.
Backbar Capital
9719 S Dixie Hwy #8
Miami, FL 33156
Fastest way to get an answer
If you want a number, apply — it takes four minutes and you’ll have an offer in about four business hours. If you want to talk through which product fits before you apply, call. Either way you get a person who can read a bank statement.
What to have ready when you call
Your legal entity name and EIN, roughly what you deposit in a month, how long you’ve been open, what the money is for, whether your floor is commission, booth rent or both, and whether you currently have any advances or loans outstanding. That’s enough for us to tell you what’s realistic in about five minutes.
We will call you. Backbar Capital does not run automated email sequences. Put a number you actually answer on your application — the front desk line is fine if someone picks up between clients — and a person who can read a bank statement calls you back.
Get a call back
The fastest way to a call is the four-minute application. Once it’s in, an underwriter calls you with a real number, usually in about four business hours.
Start your application →Rather talk first? Call (888) 896-5559, Monday to Friday 9:00 AM to 7:00 PM ET.
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.
Getting hold of us.
What are Backbar Capital’s hours?
Monday to Friday, 9:00 AM to 7:00 PM ET. The phone number is (888) 896-5559.
Where is Backbar Capital located?
9719 S Dixie Hwy #8, Miami, FL 33156. Backbar Capital funds businesses in all 50 states.
How do ISO partners submit a file?
Through the partner portal: the signed application and three months of business bank statements. See the partner program for commission terms.
Will I get an email with next steps?
No. Backbar Capital does not run automated email sequences. Confirmation is on screen, and a person calls you at the number you gave us — usually within one business hour during weekday hours.
Can I call between clients?
Yes. The first call takes about five minutes: your entity name and EIN, roughly what you deposit in a month, how long you’ve been open, what the money is for, and whether you have any advances out. That is enough for us to tell you what’s realistic.
Or skip the call and get a real number.
Four minutes, three bank statements, an offer in about four business hours.