Funding for salons and barbershops
You earn one head at a time, and that stops the second a chair sits empty. The rent, the commission and the standing color order do not stop with it. The chair earns by the hour and the lease charges by the month.
Hair salon · Barbershop · Nail salon · Lash and brow · Massage and bodywork · Day spa and med spa · Aesthetics and beauty
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
Whatever lands in the bank account is what this one is built on, and the credit score is not what decides it. That makes it the path for a quiet January, a color order that has to go in anyway, or the bills that come due on a week the chairs sat empty.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
Your profile carries this one. A line gives you something to fall back on in a slow month and refills once the book does, and you are charged for the money you took, not for the size of the line.
Typical: 6+ months in business · 600+ FICO for a line of credit
Adding a chair, a dryer or a wash station does not have to come out of the account all at once. Equipment financing covers it with little or nothing up front, it does not ask how long the shop has been open, and gear you already own outright can be borrowed against the same way.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with salon and barbershop owners because your business runs on a book of regulars and a room full of chairs, and a bank has no column for either one.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.