Short answer
Merchant Fund Express funds existing beauty and wellness franchise owners (hair salons, nail and lash studios, massage, spa, stretch and wellness concepts) with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $5,000 to $5,000,000. Common uses are stations and chairs, treatment devices, stylist and therapist payroll, retail product stock and franchisor-required refreshes. Send three months of business bank statements and owner ID; a complete file usually gets a decision in 2–4 hours.
What beauty and wellness owners fund first
A salon or studio sells time in a chair or a room. Everything that keeps those hours booked costs money up front, and most of it lands before the client pays.
Stations and rooms
Chairs, shampoo bowls, styling stations, massage tables and treatment-room fit-out.
Devices and tools
Lasers, facial and body devices, dryers and the upgrades a menu change demands.
Payroll and commissions
Stylists and therapists get paid every cycle, even in a quiet week after the holidays.
Retail shelf
Shampoo, skincare and supplements sell well, but the stock is bought weeks before it moves.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Add stations or replace chairs | Equipment financing | The equipment anchors the deal; send the quote |
| Buy a new treatment device | Equipment financing | Long-lived asset, payment sized to the bookings it brings |
| Cover payroll in a slow January | Business line of credit | Draw for the gap, repay when bookings return |
| Stock retail before the holidays | Inventory funding or Working capital | One-time buy repaid from sales |
| Fast money for a broken dryer bank or HVAC | Merchant cash advance | Repaid as a share of card deposits |
| Even out wedding-season and winter swings | Revenue-based financing | Payments track revenue |
| Fund a franchisor-required refresh | Franchise business loans | Lump sum on a set schedule |
How salon and studio deposits read
Beauty revenue is almost all card: service tickets, tips that run through the terminal, retail sales and memberships or packages billed monthly. That makes deposits clean and easy to read. A reviewer looks at three months of totals, how steady the weekly rhythm is and what already goes out for rent, product, royalties and any existing funding.
Two details move a file faster. If memberships or packages bill through a separate processor that pays into another account, include that account's statements. And if tips are paid out through payroll, mention it so the reviewer does not read tip deposits as extra profit.
Hypothetical example, not a past deal: a two-chair-short salon owner wants four new stations and a dryer bank before back-to-school, plus a cushion for stylist payroll while new hires build their books. A reviewer could put the stations on equipment financing and cover payroll with a small line, so each payment matches what it pays for.
Beauty and wellness brands we fund
Brand pages live now: Great Clips.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Own a lash, nail, massage, stretch, waxing or med-spa franchise not named here? The answer is the same: an open location with card deposits is exactly what Merchant Fund Express funds. Planning another studio? Read second location first, and use marketing funding for a grand reopening after a refresh.
Three fast calls salon and studio owners make
Booked out and turning clients away? Add stations or a treatment room on equipment financing; the added bookings carry the payment.
Device upgrade the menu now depends on? Send the quote with the application. Same-day funding is available, so a new service can launch on schedule.
Already carrying an advance from last winter? It is considered, not an automatic decline. List it, and if the payment feels heavy, MCA refinance is there to lower the payment.
What to send
- Apply in about 4 minutesName your beauty or wellness brand, the location and what the money is for.
- Upload statements and IDThree months of business bank statements per location entity, plus photo ID for each owner.
- Decision in 2–4 hoursOn a complete file. Same-day funding is available, and funding often lands the next business day.
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a salon franchise owner finance new stations and chairs?
Yes. Stations, chairs, shampoo bowls and treatment devices at an open location are standard equipment financing requests.
Can I fund stylist payroll in a slow month?
Yes. A line of credit or working capital covers payroll gaps, repaid as bookings return.
Do memberships and packages help my file?
Recurring billing shows steady revenue. Send the statements for whichever account those payments land in.
How fast can a wellness studio get funded?
A complete file usually gets a decision in 2–4 hours. Same-day funding is available.
Are you affiliated with any beauty or wellness franchise?
No. Merchant Fund Express is an independent company. Brand names appear only so owners can find this page.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.