Get Funded

Resources

How do barbershops handle cash flow between busy weekends?

Many barbershops are packed on Fridays and Saturdays and quiet early in the week. Rent, chair commissions or employee pay, and product orders come due regardless. Shop owners smooth cash flow by filling slow days, managing bill timing and keeping a cushion.

Apply Now

Why are weekdays slow?

Clients work during the week and come in on weekends; schools and routines shape traffic. Walk-in shops feel it most.

Online booking helps shift some clients to weekdays, especially if weekend slots fill up. Clients who know they can book a time often choose a quieter day.

How do barbershops fill slow days?

Weekday specials, student or senior pricing on certain days, memberships for regular cuts, and services like beard grooming or hot towel shaves that fit midweek.

Memberships are especially effective for barbers because clients come in every two to three weeks. A monthly fee smooths revenue across the calendar.

Chair rental shops face a different version of the problem: rent from barbers may come weekly, but if a barber leaves, the empty chair costs revenue until it is filled. Keeping a waiting list of barbers interested in renting, and a reserve for the gap, protects the shop from turnover.

For commission shops, track revenue per chair per day. It shows which days are worth extending hours and which could use shorter shifts, which can lower costs without losing clients.

When does funding help a barbershop?

When a planned investment, such as adding chairs, remodeling or launching memberships, needs cash before revenue grows.

Use funding for things that grow revenue, and keep the term short enough that the weekend strength covers payments comfortably.

Barbershop weekday tactics
TacticEffectCost
Online bookingShifts some clients midweekSoftware fee
Membership plansSmoother revenueSetup time
Weekday specialsMore midweek visitsDiscount
Add-on servicesHigher ticketTraining

Worked example: two new chairs and memberships

A barbershop averaging $42,000 in monthly deposits adds two chairs and launches a membership program, needing $9,000 for chairs, software and promotion. Using an illustrative factor rate of 1.22, $9,000 would mean $10,980 repaid over roughly 4 months: 17 weekly payments of about $646.

That works out to about $2,745 a month, or 6.5% of the $42,000 this business deposits monthly, and the total cost of the money is $1,980. Members coming in every few weeks steady weekday revenue, which helps cover the payments.

For comparison, repaying the same $10,980 over 2 months would lift the monthly outlay to about $5,490, or 13.1% of deposits, so ask for both terms in writing; the shorter one frequently prices lower even though each payment is larger.

Worked example (illustrative numbers, not an offer)
Average monthly deposits$42,000
Amount funded$9,000
Factor rate (illustrative)1.22
Total repaid$10,980
Cost of the funding$1,980
Termabout 4 months
Weekly payment (17 payments)$646
Payments as a share of deposits6.5%

Who this fits

Usually a fit

  • Barbershops with busy weekends and growth plans
  • Owners launching memberships
  • Shops adding chairs

When to pause

  • Shops with no plan for slow days
  • Owners with reserves
  • Startups without deposit history

What you’ll typically need

  • Recent business bank statements
  • Growth plan
  • Business details

Frequently asked questions

Do memberships work for barbershops?

Many shops find they smooth revenue; results vary by clientele.

Can funding pay for chairs?

Yes; working capital can buy equipment.

How long does approval take for a barbershop growth project?

Requests to fund a barbershop growth project usually get a decision the same day when the file is complete, and funding commonly follows in a business day or two.

Does a 500 credit score rule me out for a barbershop growth project?

No. Applicants from 500 can be reviewed for a barbershop growth project; the deposit history does most of the work, and better credit typically improves the terms you are offered.

Ready to grow the shop?

Apply in minutes.

Apply Now

Updated October 6, 2026