Fast working capital for barbershops and booth rental businesses. Get $15,000 to $150,000 based on your daily sales, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for Barbershops
Running a barbershop means your revenue depends on chair count, walk-in volume, and the reputation of your barbers. A slow week, a key barber leaving, or an unexpected lease renewal can put real pressure on your cash flow. Traditional banks don't lend to barbershops easily, and by the time a loan is approved, the opportunity is usually gone.
Trulo Capital's merchant cash advance is built around your daily card sales. We evaluate your shop based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding in as little as 24 hours. Repayment adjusts with your revenue, so you pay less during slow periods and more when every chair is booked.
How Barbershop Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Barbershop owners typically use working capital for:
Adding barber chairs and expanding the shop floor
Renovating and upgrading the shop interior
Hiring and onboarding new barbers
Purchasing clippers, tools, and professional supplies
Opening a second location
Covering rent and payroll during slow months
Launching a product line or retail section in the shop
Running social media and local marketing campaigns
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your barbershop business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of barbershop operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Barbershops We Fund
Trulo Capital works with barbershop businesses of all sizes and formats. If your shop processes credit and debit card payments, you are likely a good fit for a merchant cash advance.
✂️ Independent Barbershops
Owner-operated shops building a loyal local clientele. Fast capital helps you invest in your space, your team, and your reputation.
🏪 Franchise Barbershops
Franchise locations with brand standards to maintain. MCA funding helps cover build-out costs, staffing, and ongoing operational expenses.
💈 Booth Rental Shops
Multi-chair shops where independent barbers rent booths. Working capital helps with facility upgrades, marketing, and attracting top barbers.
👑 Luxury and Premium Barbershops
High-end grooming experiences with premium pricing. Fund renovations, premium product lines, and the elevated atmosphere your clients expect.
🧒 Kids and Family Barbershops
Family-focused shops with diverse clientele. Capital helps with kid-friendly décor upgrades, entertainment systems, and additional staffing.
🌆 Multi-Location Barbershops
Barbershop businesses managing two or more locations. Scale faster with working capital that moves as quickly as your growth plans.
Barbershop MCA vs. Bank Loan
Traditional bank loans are not built for the barbershop business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Barbershop Funding Questions and Answers
Can I get a merchant cash advance for my barbershop if I have bad credit?
Yes. Trulo Capital approves barbershop funding based primarily on your daily card sales and bank statement history, not just your FICO score. Many barbershop owners with credit scores in the 600s qualify for funding. If your shop has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my barbershop borrow?
Trulo Capital funds barbershops from $15,000 to $150,000. The exact amount depends on your average monthly card volume and bank statement health. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific shop.
Can I use the funds to renovate or add more chairs?
Absolutely. Renovations and chair additions are among the most common uses for barbershop MCA funding. Whether you want to refresh the interior, add two more barber stations, or build out a waiting area, there are no restrictions on how you use your Trulo Capital funds.
How does repayment work for a barbershop cash advance?
Repayment is collected as a fixed percentage of your daily or weekly credit and debit card sales. On slow weeks, you pay less. On busy weeks when every chair is booked, you pay more. You never have a fixed monthly payment that ignores how your shop is actually performing.
How fast will I receive the funds?
Most barbershop owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Can booth rental barbershops qualify for MCA funding?
Yes. If your barbershop collects card payments, whether from clients directly or through booth rental income, you may qualify for a merchant cash advance. The key factor is your monthly revenue and card processing volume. Apply and a funding advisor will review your specific situation.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your barbershop. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your barbershop?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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