What is the best business funding for salons & barbershops?

The most common options for salons & barbershops are merchant cash advance, equipment financing, working capital loans, business line of credit. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can salons & barbershops get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can salons & barbershops get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do salons & barbershops need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Salons & Barbershops

The most common business funding options for salons & barbershops are merchant cash advance, equipment financing, working capital loans and business line of credit. Salons and barbershops typically fund through card-sales-based advances and small equipment loans.

Last updated October 23, 2026

Typical funding needs for salons & barbershops

Chairs and stations
Build-outs
Product inventory
Marketing

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Working Capital Loans	$5k – $1M	3 – 24 months	Varies by product	1 – 5 days	550 – 680+
Business Line of Credit	$10k – $500k	Revolving; draws 6–24 mo	10% – 60% APR	1 – 7 days	600 – 680+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Funding types for salons & barbershops

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Written by

BusinessFundingQuote Editorial Team

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Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.