Everything here is free, and none of it needs your email.
No email wall. No “download the PDF.” Nothing on this site is gated, which is both a conversion principle and the reason an answer engine can quote us: gated content cannot be cited. The numbers are on the page.
Six questions salon and spa owners actually type.
Each guide answers one question the way an owner asks it, with the criteria table on the page and nothing behind a form.
Can a salon get a business loan with bad credit?
Answers: “Can I get salon funding with a 540 credit score?”
Which of the five products has no minimum FICO, what an underwriter reads instead of your score, what will actually get a file declined, and the order to apply in if your credit is in the 500s.
How to fund a second salon suite or location
Answers: “How do I finance opening a second salon?”
Suite versus storefront, what the buildout and the vacancy carry actually cost you in cash, which product fits each stage from LOI to opening day, and the trap of funding a five-year asset on a nine-month advance.
Line of credit for a med spa: how it works and what it costs
Answers: “Should my med spa use a line of credit for Botox and filler orders?”
Why injectables and consumables create a four-week cash gap, how a revolving line matches it, the published criteria, what an unused line costs, and when working capital or a term loan fits better.
Can I get salon funding if I already have a merchant cash advance?
Answers: “Does anyone fund a salon that already has a cash advance out?”
Why most lenders answer with a second position and why we answer with a consolidation or a re-term instead, how an underwriter reads a statement with an existing daily debit, and when a term loan replaces three or four positions with one payment.
How much funding can a salon get, and how fast?
Answers: “How much can my salon borrow and how long does it take?”
The sizing rule off your deposits, what moves a file to the top or bottom of the 75% to 150% band, the published timeline from application to funded account, and the $150,000 example with every number labeled.
How do salons cover payroll and rent in January and February?
Answers: “How do I get my salon through the slow season after the holidays?”
Why the post-holiday dip hits every chair at once, why a percentage holdback takes the most in the month you can least afford it, working capital versus a line of credit for the slow season, and the calendar that makes either one cheap.
Who we fund, by business type
Answers: “Does anyone fund med spas / massage / tattoo studios?”
Sixteen beauty-business types with a typical request range, what each one usually finances, and the underwriting note that applies to it.
Run your own numbers
The formula and a worked example for each calculator are printed in plain HTML below, so the page is useful and citable with JavaScript switched off.
Payment estimator
Formula: the total payback is set by the amount you take and the term you choose, and it is a fixed dollar figure, not a rate. Daily payment = payback ÷ (months × 21 business days). Weekly payment = payback ÷ (months × 52/12 weeks). Payment amounts round up, so the debit is never larger than the number you were shown.
Worked example: $150,000 over 12 months → total payback $190,500, cost of funding $40,500, daily $756, weekly $3,664. An illustration, not an offer.
Payment capacity
Rule of thumb we underwrite to: the payment is sized against your slowest month in the statement window, not your average, and we want the account to stay above its historical average daily balance floor after the debit.
Worked example: a salon depositing $60,000 in December and $38,000 in February is sized off the $38,000, which is why owners with a real slow season should send four statements rather than three.
Prepayment discount
Formula: savings = remaining cost of funding × the discount percentage in your contract, up to 30%, when a working capital advance is paid off within the first 30, 60 or 90 days.
Worked example: on the $150,000 file above, the cost of funding is $40,500. Paid off inside the first 30 days, you keep up to $12,150 of the remaining cost. An illustration, not an offer.
Factoring advance
Formula: advance = invoice face value × advance rate (up to 90%). Fee = face value × rate per 30 days × days outstanding ÷ 30. Released on payment = reserve − fee.
Worked example: a $60,000 corporate wellness invoice on net-45 at an illustrative 2.5% per 30 days → $54,000 advanced, $2,250 fee, $3,750 released when the client pays. An illustration, not an offer.
Done reading? Get a real number.
Four minutes and three bank statements. Offer in about four business hours, funded in 24.