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Funding decisions, made clearer

Funding guides for business owners

Start with what your business needs. Understand the documents, payment structure and trade-offs before you apply.

Working capital for small businesses — hair salons

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — med spas

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — nail salons

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — lash and brow studios

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — barbershops

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — beauty product brands

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — estheticians and skin-care studios

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Working capital for small businesses — salon-suite owners

Working capital supports operating expenses while customer payments catch up. Start with a dated cash forecast, not the largest amount available: financing adds a payment obligation to the same cash flow it is meant to support.

Business lines of credit — hair salons

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — med spas

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — nail salons

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — lash and brow studios

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — barbershops

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — beauty product brands

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — estheticians and skin-care studios

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Business lines of credit — salon-suite owners

A business line of credit allows draws up to an approved limit, subject to the agreement. Compare interest, draw fees, maintenance charges and how repayments restore availability; a limit is not permanent guaranteed cash.

Equipment financing for businesses — hair salons

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — med spas

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — nail salons

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — lash and brow studios

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — barbershops

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — beauty product brands

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — estheticians and skin-care studios

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Equipment financing for businesses — salon-suite owners

Equipment financing spreads the purchase cost over time. Review the useful life of the equipment, installation, maintenance and any required down payment before comparing a loan with a lease.

Funding a business payroll gap — hair salons

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — med spas

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — nail salons

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — lash and brow studios

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — barbershops

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — beauty product brands

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — estheticians and skin-care studios

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Funding a business payroll gap — salon-suite owners

Payroll financing should address a specific, explainable cash timing issue. Map wages, payroll taxes and benefit payments to actual expected customer collections before deciding whether new financing is affordable.

Retail inventory funding — hair salons

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — med spas

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — nail salons

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — lash and brow studios

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — barbershops

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — beauty product brands

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — estheticians and skin-care studios

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Retail inventory funding — salon-suite owners

Inventory funding brings purchases forward, but repayment may start before the stock sells. Compare supplier lead times, gross margin, returns and the cash conversion cycle, not only the size of the purchase discount.

Business funding with existing debt — hair salons

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — med spas

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — nail salons

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — lash and brow studios

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — barbershops

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — beauty product brands

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — estheticians and skin-care studios

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Business funding with existing debt — salon-suite owners

New financing changes the cash available after current obligations. Disclose existing balances and payment schedules, and compare net new cash after any required payoffs rather than the headline approved amount.

Same-day business funding — hair salons

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — med spas

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — nail salons

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — lash and brow studios

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — barbershops

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — beauty product brands

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — estheticians and skin-care studios

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Same-day business funding — salon-suite owners

Same-day funding may be available after approval, completed verification and provider cutoff times. Bank processing can delay receipt. Ask when cleared funds would actually arrive before promising a supplier payment.

Business expansion financing — hair salons

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — med spas

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — nail salons

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — lash and brow studios

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — barbershops

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — beauty product brands

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — estheticians and skin-care studios

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Business expansion financing — salon-suite owners

Expansion can require deposits, fit-out, hiring and operating cash before new revenue arrives. Separate one-time investment from the recurring cash needed while the new capacity fills.

Revenue-based financing — hair salons

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — med spas

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — nail salons

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — lash and brow studios

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — barbershops

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — beauty product brands

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — estheticians and skin-care studios

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Revenue-based financing — salon-suite owners

Revenue-based structures can link payments to receipts, but terms differ. Read how sales are measured, whether a fixed debit is used and how adjustments are requested.

Build-out and renovation financing — hair salons

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — med spas

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — nail salons

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — lash and brow studios

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — barbershops

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — beauty product brands

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — estheticians and skin-care studios

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.

Build-out and renovation financing — salon-suite owners

A renovation budget should include installation, downtime and contingency—not just the contractor quote. Compare the full payment obligation with expected usable cash.