Fast working capital for hair salons, nail salons, day spas, and makeup studios. 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 Beauty Salons
Running a beauty salon means your revenue depends on appointment volume, stylist retention, and the experience you create for every client. A slow week, a key stylist leaving, or an equipment breakdown can put real pressure on your cash flow. Traditional banks rarely lend to salons, and by the time an approval comes through, the moment has passed.
Trulo Capital's merchant cash advance is built around your daily card sales. We evaluate your salon 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 Beauty Salon Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Beauty salon owners typically use working capital for:
Renovating and upgrading the salon interior
Purchasing salon chairs, dryers, and equipment
Hiring and onboarding new stylists or estheticians
Stocking up on professional products and supplies
Opening a second location or expanding floor space
Covering rent and payroll during slow months
Launching a retail product line in the salon
Running social media ads 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 beauty salon business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of salon 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 Beauty Salons We Fund
Trulo Capital works with beauty businesses of all sizes and specialties. If your salon processes credit and debit card payments, you are likely a good fit for a merchant cash advance.
💇 Hair Salons
Full-service hair salons and studios that need capital for renovations, new equipment, or expanding their team of stylists.
💅 Nail Salons
Nail salons and nail bars with high appointment volume that need to upgrade equipment, restock supplies, or expand their space.
🧖 Day Spas
Day spas offering massage, facials, and body treatments that need working capital to hire staff and upgrade their facilities.
💄 Makeup Studios
Bridal and event makeup studios with seasonal peaks that need capital to invest in products, equipment, and marketing.
🧴 Skincare and Esthetics
Esthetics studios and skincare clinics that need to invest in professional equipment, products, and certifications.
✨ Full-Service Salons
Multi-service salons offering hair, nails, and spa services under one roof that need flexible working capital to manage all operations.
Beauty Salon MCA vs. Bank Loan
Traditional bank loans are not built for the beauty salon 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
Beauty Salon Funding Questions and Answers
Can I get a merchant cash advance for my beauty salon if I have bad credit?
Yes. Trulo Capital approves beauty salon funding based primarily on your daily card sales and bank statement history, not just your FICO score. Many salon owners with credit scores in the 600s qualify for funding. If your salon has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my beauty salon borrow?
Trulo Capital funds beauty salons 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 salon.
Can I use the funds to renovate my salon?
Absolutely. Salon renovations are one of the most common uses for beauty salon MCA funding. New flooring, lighting, styling stations, shampoo bowls, and waiting area upgrades can all be funded with your Trulo Capital advance. There are no restrictions on how you use the money.
How does repayment work for a beauty salon 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 appointment is booked, you pay more. You never have a fixed monthly payment that ignores how your salon is actually performing.
How fast will I receive the funds?
Most beauty salon 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.
Do nail salons and day spas also qualify?
Yes. Trulo Capital funds all types of beauty businesses including nail salons, day spas, makeup studios, and esthetics studios. 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 salon. 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 beauty salon?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
.png)
