Short answer
Great Clips franchise owners with operating salons can apply with Merchant Fund Express for working capital, a line of credit, equipment financing or revenue-based financing from $5,000 to $5,000,000. The most common needs are stylist payroll timing, chairs and stations, salon refreshes and cash across several salons. Each salon is reviewed under the entity that owns it, on its deposits and payments, usually with a decision in 2–4 hours. Merchant Fund Express is independent of Great Clips.
What Great Clips owners usually need funded
Stylist payroll
Payroll is the biggest cost in a salon, and it is due on schedule.
Chairs and stations
Styling chairs, shampoo bowls and stations wear with daily use.
Salon refreshes
Flooring, lighting, signage and front-desk updates.
Multi-salon cash
Most owners run several salons; one slow location affects the group.
Every way to fund your Great Clips location
Already running a Great Clips location and need capital? Merchant Fund Express funds existing Great Clips owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Great Clips store |
|---|---|
| Business loan | A lump sum for a salon refresh with new stations. Franchise business loans. |
| Merchant cash advance | Fast capital repaid as a share of card and bank deposits, so a slow week takes a smaller bite. Franchise MCA. |
| Revenue-based financing | Payments that track back-to-school and holiday sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for stylist payroll in a slow week. Line of credit. |
| Equipment financing | For chairs, stations and shampoo bowls, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For retail product inventory, repaid from the store's own revenue. Working capital. |
Already carrying an advance? Existing advances are considered, and MCA refinance is there to lower the payment. More owners in your category: Beauty and wellness franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Bridge payroll in a slow stretch | Payroll funding | Working capital or line |
| Recurring payroll timing across salons | Line of credit | Per entity, reusable |
| Replace chairs and stations | Equipment financing | Asset-backed |
| Refresh an older salon | Remodel funding | Finish work |
| Open a new salon | Not offered | Startup capital |
How Great Clips salons usually look in a review
Great Clips' franchise FAQ lists a 6% royalty on gross sales and says salons run day to day under a manager, so an owner's daily presence is not required. The franchisor also says about 80% of its franchisees are multi-unit owners, and the average owner has five to six salons after five years. That is the typical Great Clips file: several salons, managers in each, and payroll as the largest line.
Salon deposits are usually many small card transactions every day, which reads as steady revenue. The reviewer will focus on payroll timing, existing payments and which entity owns which salon. If all your salons share one LLC and account, they are reviewed together; if each has its own, apply under the one that needs the money.
How fast it moves, and what to send
- Apply in about 4 minutesName Great Clips as your brand, give the store address and say what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the store, plus ID for each owner.
- Decision, usually in 2–4 hoursMerchant Fund Express reviews deposits and existing payments and presents the option that fits.
- FundingSame-day funding is available on approved files; funding often lands the next business day.
A worked example (hypothetical)
A Great Clips owner with five salons under one LLC sees two salons slow down after a nearby road closure and needs to keep stylist payroll steady for two pay periods. They ask for $30,000. A reviewer would read the LLC's deposits, account for royalty and existing payments, and could offer a line of credit so the owner draws only what each payroll needs.
Hypothetical illustration of how a file is sized, not a past transaction.
Great Clips at a glance (public sources)
From Great Clips' official franchising site. Its pages cited slightly different salon counts; we show the homepage figure.
Sources: Great Clips franchise · Investment · FAQ. Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
I already operate a Great Clips location. Can I apply?
Yes. If your salon is operating and depositing revenue, Merchant Fund Express funds open stores like yours.
What documents do I need?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance new chairs and stations?
Yes. Salon equipment at an operating location is a common equipment financing request.
I own several Great Clips salons. Can I apply once?
If they share one entity and account, yes. Separately owned salons are reviewed separately.
Are you affiliated with Great Clips?
No. We are a separate, independent company with no tie to Great Clips or the company that franchises it. Great Clips is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Great Clips or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.