Attention: Salon & Barbershop Owners Who Need Cashflow

Turn Your Next 6 Months Of Salon Revenue Into Immediate Cash. Get Up To $500K In Your Account By Tomorrow.

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    $5K to $500K deposited into your account within 24 hours
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    Built for nail salons, beauty salons & barbershops
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    600+ credit score is all you need to get started
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★
❝

Easiest funding process I have ever been through.

M
Marcus T.
Jan, 2025
★★★★★
❝

Got approved the same day. Could not believe it.

S
Sandra K.
Nov, 2024
★★★★★
❝

Team was transparent and responsive throughout.

J
James R.
May, 2024
★★★★★
❝

Funds were in my account the next morning.

L
Lisa W.
Dec, 2024

Need Working Capital Now?
Get Up To $500K In Your Account Within 24 Hours.

Appointments fill up, products run out, and equipment breaks down at the worst possible times. Trulo Capital puts your future revenue in your hands today and recovers it gradually through your ongoing sales. No spotless credit history. No lengthy paperwork. No waiting around for a bank committee. Just practical, flexible capital for salons and barbershops that need to keep moving.

Three Minutes To Apply. Funded The Next Day.

While banks bury salon owners in requirements, Trulo Capital keeps it straightforward. Complete a short application focused specifically on your shop, get a same-day response from our team, and have funds in your account within 24 hours of approval.

Payments That Follow Your Revenue, Not A Calendar

Salon revenue fluctuates week to week and your repayments should reflect that. Trulo Capital structures your payback around actual daily sales volume. When business is strong, more gets cleared. When traffic slows down, so do your payments. No fixed due dates working against you.

We Lend Directly. No Middlemen, No Inflated Costs.

As a direct lender, Trulo Capital eliminates the broker layer that typically adds up to 20% to your cost of capital. You deal with our team from start to finish, keeping more money where it belongs. Your personal credit file stays untouched throughout the process.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Why Salon And Barbershop Owners Trust Trulo Capital

1
Salon owner

Fast Decisions When Your Business Needs Them

Banks move too slowly for the beauty industry. At Trulo Capital, most decisions come back the same day you apply. Whether you are preparing for a busy season or bridging a slow stretch, we move at the speed your salon actually needs.

2
Salon owner

We Understand How Salons And Barbershops Operate

Walk-in traffic, appointment cycles, product restocking, and seasonal demand shifts are all part of how we evaluate your business. We fund based on how your shop actually performs, not a rigid credit formula.

3
Salon owner

Repayments Designed Around Your Revenue

Pick a fixed schedule if you prefer consistency, or a variable structure that rises and falls with your daily revenue. Both options are designed to keep your cash flow stable while you repay.

4
Salon owner

Clear Terms Before You Sign Anything

We give you the full picture upfront. Your total payback amount, your repayment structure, all of it before you commit. Strong month? You can settle early with no additional charges.

5
Salon owner

Right-Sized Capital For Whatever Comes Next

From new salon equipment to a full second location, Trulo Capital scales to fit the opportunity in front of you. Get what your business actually needs, not a one-size-fits-all amount.

6
Salon owner

A Short Application. A Fast Decision.

Our application covers the essentials about your shop and nothing more. No stacks of financial statements, no drawn-out review process. Most applicants hear back within hours.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Do I Qualify For Funding?

At Trulo Capital, we keep the requirements simple. If your salon or barbershop checks these four boxes, we can get you funded.

$15K+

Monthly revenue processed through your business

1+ Year

Your business has been operating for at least 12 months

600+

Minimum credit score required to get started

US Bank

An active US business checking account in your business name

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

How It Works

1

Submit Your Application

Fill out our short form built specifically for salons and barbershops. Takes about 3 minutes and we only ask for what we actually need.

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2

Get Your Decision In Hours

Our specialist team reviews your file and delivers a clear funding decision the same day. You get full transparency on terms before you commit to anything.

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3

Get Funded and Keep Growing

Funds land in your business account within 24 hours of approval. Use it to upgrade equipment, restock supplies, hire more staff, or expand your shop.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Get Up To $500K For Your Salon Or Barbershop By Tomorrow

No perfect credit score required. No mountains of financial paperwork. Just a short application and a same-day decision.

Decision in hours, funds in 24

While banks take weeks, we move at the speed your salon or barbershop actually needs.

Payments that follow your revenue

Slow week? Your payments drop. Busy season? More gets cleared. No rigid due dates.

We fund based on shop performance

Not your personal credit history. Bad credit does not mean no funding.

$5K to $500K available

Whether it is new equipment, a renovation, or a full second location, we scale to fit.

No broker fees, ever

As a direct lender, we cut out the middlemen so more of your funding stays in your shop.

Built for salons and barbershops

We understand appointment cycles, product costs, and how beauty business cash flow actually works.

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

★★★★★

What Salon And Barbershop Owners Are Saying About Trulo Capital

★★★★★
"
We needed to upgrade our styling stations before the wedding season rush and our bank would not move fast enough. Trulo Capital had the funds in our account the next morning.
MP
Maria P. Salon Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual revenue and approved me the same day. The whole process took less time than filling out a bank application.
DW
DeShawn W. Barbershop Owner, Atlanta, GA
★★★★★
"
The flexible repayments made all the difference. January is always slow for us, so having payments adjust down kept things manageable. I will definitely use Trulo again.
NR
Nicole R. Nail Salon Owner, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off quickly. The team was transparent from day one.
CM
Carlos M. Barbershop Owner, Miami, FL
★★★★★
"
Three minutes to apply, funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
ST
Sandra T. Beauty Salon Owner, Denver, CO
★★★★★
"
A supplier was offering a deal on color products and I needed capital fast. Trulo came through in time and I saved more on supplies than the total cost of the advance.
JL
Jessica L. Salon Owner, Portland, OR
★★★★★
"
We needed to upgrade our styling stations before the wedding season rush and our bank would not move fast enough. Trulo Capital had the funds in our account the next morning.
MP
Maria P. Salon Owner, Phoenix, AZ
★★★★★
"
My bank turned me down because of my credit score. Trulo looked at my actual revenue and approved me the same day. The whole process took less time than filling out a bank application.
DW
DeShawn W. Barbershop Owner, Atlanta, GA
★★★★★
"
The flexible repayments made all the difference. January is always slow for us, so having payments adjust down kept things manageable. I will definitely use Trulo again.
NR
Nicole R. Nail Salon Owner, Nashville, TN
★★★★★
"
No hidden fees, no surprises. We used the funding to open a second location and it paid off quickly. The team was transparent from day one.
CM
Carlos M. Barbershop Owner, Miami, FL
★★★★★
"
Three minutes to apply, funded by the next afternoon. I have worked with lenders before and none of them came close to this kind of turnaround.
ST
Sandra T. Beauty Salon Owner, Denver, CO
★★★★★
"
A supplier was offering a deal on color products and I needed capital fast. Trulo came through in time and I saved more on supplies than the total cost of the advance.
JL
Jessica L. Salon Owner, Portland, OR

How Trulo Capital Compares To A Traditional Bank Loan

Trulo Capital
Traditional Bank Loans
Approval Speed
✅Same-Day Approval

Decision within hours, funds in your account by tomorrow

❌30 to 60 Day Process

Weeks of waiting while your salon needs capital now

Credit Score
✅600+ Credit Score

We fund based on your shop revenue, not just your FICO

❌720+ Credit Score Required

Most salon owners get rejected before the process even starts

Repayment
✅Payments That Follow Your Revenue

Slow week? Pay less. Busy season? More gets cleared

❌Fixed Monthly Payments

Same amount due regardless of how your shop is performing

Collateral
✅No Personal Collateral

Your home and personal assets stay completely protected

❌Personal Guarantee Required

Your house or assets are often put at risk to secure a loan

Pricing
✅Simple, Transparent Pricing

One clear factor rate, know your total cost before you sign

❌APR, Compound Interest, Hidden Fees

Hard to calculate true cost until you are already locked in

Broker Fees
✅No Broker Fees, Direct Lender

More of your funding stays where it belongs, in your shop

❌Up to 20% Added by Brokers

Middlemen inflate your cost before you even see the offer

SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Who Is Trulo Capital For?

Equipment and Buildout

The Owner Who Needs To Upgrade The Space

Your chairs are aging, your stations need replacing, or you are ready to expand into a bigger location. The equipment that drives your revenue is expensive and waiting for savings to accumulate means losing clients to newer shops down the street.

Salon owner
Slow Season Survival

The Owner Stretched Thin Between Busy Periods

January through March can be brutal for salons and barbershops. Foot traffic drops but rent, payroll, and product costs do not. You need a financial cushion that keeps your team paid and your doors open while you wait for the busy season to return.

Salon owner
Ready to Scale

The Owner Ready To Open A Second Location

Business is strong and you have found the right spot for a second shop. But deposits, buildout costs, and stocking up on supplies require capital you do not have sitting in the bank right now. You need funding that moves as fast as the opportunity in front of you.

Salon owner
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

Frequently Asked Questions

How much funding can my salon or barbershop qualify for?

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Trulo Capital provides funding from $5,000 to $500,000, based on your shop's monthly revenue and cash flow history. We size the advance to what your business can comfortably repay, so you get capital that actually works for you.

What does funding from Trulo Capital cost?

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We use a simple factor rate instead of APR or compound interest. You know the exact total repayment amount upfront before you sign anything. There are no hidden fees, no broker markups, and no surprises.

Do I need collateral or a personal guarantee?

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No. Trulo Capital does not require you to put up personal assets or sign a personal guarantee. Your home, car, and savings stay completely protected. We fund based on your shop's revenue performance.

What can I use the funding for?

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There are no restrictions. Salon and barbershop owners use our funding to purchase new equipment and styling chairs, restock beauty supplies and products, cover payroll during slow seasons, renovate or expand their space, or simply keep cash flow stable between busy periods.

How quickly can I receive the funds?

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Most applicants receive a decision within hours of submitting their application. Once approved, funds are deposited directly into your business checking account within 24 hours.

How does repayment work?

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Repayments are structured as either a fixed daily or weekly amount, or as a percentage of your sales, depending on your funding agreement. Payments are automatically deducted from your business bank account. There are no rigid monthly bills or surprise due dates.

Are there any penalties for paying back early?

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No. You are free to repay early with no additional charges or penalties. Many of our salon and barbershop clients choose to pay back early after a strong season.

Will applying affect my credit score?

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No. Our initial application only requires a soft credit check, which has no impact on your personal or business credit score. You can apply and get a decision without any risk to your credit.

How long does the application take?

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The application takes about 3 minutes to complete. We ask only for the essentials about your shop and recent bank statements. No lengthy paperwork, no in-person meetings required.

Ready To Get Funded? See If You Qualify Now

Access $5K to $500K in as little as 24 hours
Apply in 3 minutes to see if you qualify
No impact on your credit score
Built specifically for salon and barbershop owners
SEE IF YOU QUALIFY

Takes 3 minutes · No impact on credit score · Free to apply

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