Send us the salon and spa files everyone else declines.
Backbar Capital is a direct funding source for beauty businesses. If you broker merchant cash advances or SBA, we are the desk you send salons, barbershops, nail studios and spas to — including the med spas, massage studios, tanning salons and tattoo shops that most of your paper gets declined on. 10–15% on funded working capital, paid within 2 business days.
What the program pays.
Partner program — terms
- Commission
- 10% – 15% on funded working capital, paid on funding
- LOC, factoring
- Commission disclosed per file at offer
- Term loan and SBA
- Fee schedule disclosed on the term sheet
- Payout
- Within 2 business days of the merchant funding
- File minimum
- None
- Exclusivity
- None
- Submission
- Partner portal
- Offer turnaround
- About 4 business hours on a complete submission, weekdays
- Decline turnaround
- Same day, with the actual reason — not “credit”
- Renewals
- Commission paid on renewals for 24 months on files you originated
- What we need
- Signed application + 3 months of business bank statements (4 if the merchant is seasonal)
What we say yes to that your other funders say no to
- Med spas, aesthetics clinics and injectable practices
- Massage, bodywork, tanning, body contouring, tattoo and piercing
- Heavy-cash barbershops and nail salons — we underwrite bank deposits, not processor volume
- Booth-rent and mixed-floor salons, where the revenue model confuses other desks
- Seasonal files with a soft January and February
- Files with three or fewer NSFs in 90 days
- Salons with an open position, where a consolidation or re-term is the right structure
What we won’t do
We won’t stack you. If a merchant you sent us comes back directly, the file stays yours for 24 months and the renewal commission is yours.
We won’t shop your merchant to a panel behind your back on products we fund in-house.
We won’t run outbound marketing to your merchant list. Backbar does not run automated email sequences to merchants at all.
How submission works
- Send the signed application and three months of statements. Four months if the merchant is seasonal. Upload it through your partner portal.
- Our underwriting desk reads it. You get an offer or a real decline reason the same day — about 4 business hours on a complete file.
- The merchant signs two pages. Funding in 24 hours. A clean file signed before 11:00 AM ET generally funds the same day.
- You’re paid within two business days of funding. Renewal commission runs 24 months on files you originated.
Attribution. Every partner-sourced link carries that partner’s own EF-XXXXXX referral code. The portal issues the code and the site templates it into the link, so a file submitted through your link is credited to you automatically. Never send a funnel link without your code on it.
Partner program questions.
What commission does Backbar pay an ISO?
10% to 15% on funded working capital, paid within 2 business days of the merchant funding. Commission on lines of credit and factoring is disclosed per file at offer. Term loan and SBA fee schedules are disclosed on the term sheet.
Is there a file minimum or an exclusivity requirement?
No to both. There is no monthly file minimum and no exclusivity. Send one file a quarter or forty a month.
How long do I keep a merchant I originated?
24 months. If a merchant you sent us comes back directly, the file stays yours and the renewal commission is yours for 24 months from the original funding.
What beauty files will you take that others decline?
Med spas and aesthetics clinics; massage and bodywork; tanning and body contouring; tattoo and piercing studios; heavy-cash barbershops and nail salons, because we underwrite bank deposits rather than processor volume; booth-rent and mixed-floor salons; seasonal files with a soft January and February; files with three or fewer NSFs in 90 days; and salons with an open position where a consolidation or re-term is the right structure.
How fast is a decision on a submitted file?
About 4 business hours on a complete submission during weekdays. Declines come back the same day with the actual reason, not “credit.”
What do you need from me to submit?
A signed application and the merchant’s 3 most recent months of business bank statements — 4 months if the merchant is seasonal. Submit through the partner portal.
Become a partner.
No file minimum, no exclusivity, same-day decline reasons, and 10–15% on funded working capital paid within two business days.
Already a partner? Submit a file through your portal link.