Short answer
Merchant Fund Express funds existing pet services franchise owners (grooming salons, mobile grooming, daycare and boarding, training, pet-sitting and pet retail) with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $5,000 to $5,000,000. Typical uses are grooming tubs and tables, kennels and play-yard surfacing, mobile grooming vans, staff payroll and holiday boarding season. Send three months of business bank statements and ID; a complete file usually gets a decision in 2–4 hours.
What pet services owners fund
Pet owners book early and expect the place to be spotless and safe. That standard costs money in equipment, cleaning and staff, and the busiest stretches arrive all at once.
Grooming gear
Tubs, hydraulic tables, dryers and clippers that wear out under daily use.
Kennels and play yards
Suites, fencing, turf and flooring that keep daycare and boarding running.
Mobile units
Grooming vans and their equipment. See vehicle funding.
Holiday staffing
Boarding fills up around the holidays and summer travel, and so does the schedule.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Replace tubs, tables or dryers | Equipment financing | The equipment anchors the deal |
| Add a mobile grooming van | Equipment financing | Send the van and outfitting quote |
| Resurface the play yard | Franchise business loans | Lump sum for a fixed project |
| Staff up for holiday boarding | Business line of credit | Draw for payroll, repay as stays are paid |
| Stock food and retail | Working capital | One-time buy repaid from sales |
| Fast cash for an HVAC or plumbing failure | Merchant cash advance | Repaid as a share of deposits |
| Ride out a slow post-holiday stretch | Revenue-based financing | Payments track revenue |
How pet services deposits read
Pet revenue is mostly card: grooming tickets, daycare packages, boarding stays and retail. Many locations sell prepaid packages or memberships, which show up as steady recurring deposits. A reviewer reads three months against the seasonal pattern (summer and holiday travel push boarding up) and checks rent, payroll, royalties and any existing funding.
If you sell prepaid packages, mention it. Deposits from packages arrive before the service is delivered, and the reviewer will size the payment around the whole cycle rather than one strong month.
Hypothetical example, not a past deal: a daycare and boarding franchise owner wants to add twelve boarding suites before summer and resurface the play yard. A reviewer could treat the suites as equipment and the resurfacing as a lump-sum project, sized against the location's average monthly deposits.
Pet services brands we fund
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.
Grooming, daycare, boarding, training, pet-sitting and pet retail franchises all apply the same way: open location, card deposits, brand named on the application. Planning another site? See second location; promoting a reopening after an expansion? See marketing.
Three fast calls pet services owners make
Waitlist for grooming? Add a table, tub and dryer station on equipment financing and fill the extra appointments the same month.
Boarding fully booked for the holidays? Fund the extra staff and supplies now with working capital, repaid from the stays you already have on the calendar.
Facility repair you cannot wait on? A merchant cash advance is repaid as a percentage of daily or weekly card and bank deposits, and same-day funding is available. Already carrying one? List it; existing advances are considered, and MCA refinance can lower the payment.
What to send
- Apply in about 4 minutesName your pet services 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 grooming franchise owner finance new tubs and tables?
Yes. Grooming equipment at an operating location is a standard equipment financing request.
Can I fund a mobile grooming van?
Yes. A van and its outfitting for an operating business can go on equipment financing.
Can I fund holiday boarding staffing?
Yes. A line of credit or working capital covers the payroll build-up before peak travel.
Do prepaid packages help my file?
They show steady revenue. Mention them so the reviewer reads the deposit timing correctly.
Are you affiliated with any pet services franchise?
No. Merchant Fund Express is independent. Brand names appear only to help owners 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.