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Funding Guide

Business Funding
For Hair Salons.

Flexible funding to make sure your salon is
always fully styled, stocked, and staffed.

Cover hair products and tools, inventory, and supplies.

Secure capital for day-to-day business operations.

Refurnish your interior without incurring upfront costs.


LET'S TALK GET FUNDED

Let's Get Down To Small Business

Under $10,000
$10,000-$20,000
$20,000-$50,000
$50,000-$100,000
$100,000-$150,000
$150,000-$300,000
$300,000+
Working capital
Buy equipment
Inventory
Cover payroll
Job materials
Consolidate debt
Other reason
0-6 months
6-12 months
1-2 years
2-5 years
5+ years
Today
Within 24-48 hours
Sometime this week
Within 1-3 weeks
I'm in no rush

đź”’ Pre-qualification will not affect your credit score.

No Application Fees.

We'll never charge you a fee to apply—or for any other “just because” reason.

No Lengthy Paperwork.

An application, statements, and you're done. Funding without a pile of forms.

No Collateral Needed.

You won't have to back your funding. Keep your assets where they belong.

No Personal Guarantee.

Most of our options are secured only by your business revenue—not by you.

A pink piggy bank sitting in a hair salon chair, looking in a lighted mirror

Polished Small Business Funding For Hair Salons.


Running a salon is part artistry, part operations—and the “behind-the-chair” reality isn't always picture-perfect. Between product-heavy overhead, appointment gaps, chargebacks, payroll timing, and the constant pressure to keep standards high, cash flow can feel like it needs a quick trim.

The strongest salons aren't the ones that never hit surprises—they're the ones built to stay steady when the day gets messy, and still deliver a flawless finish for every client.


BOOST YOUR BUSINESS VOLUME



Find out how much funding your business could qualify for.


Why Hair Salons Trust Capitalize Funding.

Salons don't need a lender that panics when your revenue has a little texture. You need a funding partner that understands how this industry actually runs—fast days, slow days, seasonal swings, and the reality that your “inventory” is literally what's on your shelves and in your chairs.

That's where Capitalize Funding stands out: You get a team that moves with purpose, communicates clearly, and treats your time like it's booked solid—so you're not stuck in a back-and-forth that drags on longer than a bad bleach job.


Already Know Your Color History

We already get how salons operate. No explaining your business model, no blank stares when you mention backbar inventory. We know our clients businesses inside and out.


Funding That Doesn't Wash Out

Your cash flow shifts with the seasons, the holidays, and whether Mercury is in retrograde. Our funding is designed to stick with you through slow weeks and fully-booked ones.


Walk-Ins Are Always Welcome

No appointment needed, no waiting until next week. When you need answers, we pick up. When you need funding, we move. No scheduling required—no matter what time.


Consider This A Standing Appointment

Your salon isn't the same as it was a year ago—and it won't be the same a year from now. New chairs, bigger space, more stylists. We're here for all of it, not just the first booking.

How Hair Salons Put Business Funding To Work.

Real-world uses from salons that don't run on fixed schedules or fixed margins.

Hair salons are a cash-flow balancing act: Fixed expenses hit on schedule, but revenue doesn't always cooperate. You can be fully booked and still feel squeezed because costs stack up upfront, while income arrives in waves. Add in the fact that one staffing change can ripple through weeks of appointments, and it's easy to see why salons look for flexibility. Here are some common ways salons put funding to use:



Stocking Products and Supplies

From hair color to styling tools, product costs add up quickly. Working capital helps you restock regularly without having to wait on the next round of payments.

Upgrading Equipment and Stations

Chairs, mirrors, lighting, shampoo bowls—when they're outdated or broken, clients notice. Funding lets you invest in upgrades without missing a beat.

Covering Payroll and Booth Rent

Whether you're paying stylists or covering rent for commission-based talent, funding helps you stay consistent—no matter how slow the week is.

Offering New Salon Services

Thinking of adding lashes? Skin care? A new nail tech? Funding gives you the flexibility to grow your offerings and bring in new streams of revenue.

The Most Common Funding Treatments For Hair Salons.

Every hair salon has different funding needs—and just like your clients, one color doesn't suit every skin tone, and one haircut doesn't flatter every face. Below are some of the most common types of funding used by hair salons:



Working Capital Loan

Short-term funding designed to cover your every day operational needs and keep your business moving.

Business Line Of Credit

Your financial safety net, providing on-demand access to capital for anything from an opportunity to an emergency.

Short-Term Loan

Cover short-term salon needs with a fixed payback amount and repayment terms that flex with your business.

Merchant Cash Advance

Fast funding tied to your revenue—not a rigid repayment schedule. Payments flex along with your business.



Explore our full suite of business funding products.

The Funding Process For Hair Salons.

Getting funding shouldn't feel like a second job. Our process is built to be quick, clear, and low-lift—because you've got clients to serve, not paperwork to chase.

You share a few basics, we review your business like real people, and we move fast with straightforward next steps. No runaround. It's a single process—a clean, efficient path from "I need options" to "I'm handling it," with communication that stays sharp the whole way through.

Step 1: Complete Your Funding Application

Complete your funding application and submit your most recent business bank statements.


Step 2: Get Approved For Funding

Our team will review your file and present you with funding options tailored to your needs.


Step 3: Receive Your Funds Fast

Your salon will receive funding in under 24 hours to help keep business running smooth.

Keep Your Hair Salon Styled For Success
With Funding You Can Count On.


Your book is full, but the backbar order hits today and the chair payment hits Friday. A color correction runs long, a product shipment shows up early, and payroll doesn't care that a few clients rescheduled.

The salons that stay “fresh” don't wing it, they build a cushion, keep options on deck, and protect the client experience at all costs. Because when cash flow stays smooth, everything else does too: your schedule stays full, your team stays confident, and your brand stays looking sharp.


TOUCH UP YOUR CASH FLOW


Still have questions? Check out our funding FAQs or contact us to speak with an advisor.

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