Working capital, built for beauty salon / med spa

Fund the chair before the calendar fills

New chairs, fresh inventory, and a stylist to hire — all before the calendar fills back up after a slow stretch.

We review on appointment-driven deposits and bank activity, with seasonal swings expected.

Appointment revenue counts
Salons & med spas
Seasonal swings expected

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Appointment revenue countsSalons & med spasSeasonal swings expected

Sound familiar?

The chairs are ready. The calendar's still filling back up.

After a slow stretch, the costs to grow show up before the bookings do — and that gap is where owners quietly carry the load.

New chairs, a laser, or a fresh build-out would lift bookings, but the cash for them is due before the calendar refills.

With capital in place, you upgrade now and grow into the bookings instead of waiting for a busy season to fund the move.

Retail and treatment supplies have to be stocked ahead of demand, tying up cash right when a slow stretch already has it tight.

With working capital ready, you keep the shelves and treatment rooms stocked without draining the account.

You want to hire and train a stylist before the rush, but their first months cost you before they're fully booked.

With a cushion in place, you bring on talent ahead of demand instead of scrambling once you're already slammed.

You may qualify on your appointment-driven deposits and bank activity, seasonal swings included. No obligation, and any payments are built to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What beauty salon / med spa owners use working capital for

Equipment

Add chairs, lasers, or treatment devices.

Retail inventory

Stock retail products and treatment supplies.

Renovation

Refresh or expand your space to grow bookings.

Hire & train

Bring on stylists or technicians and train your team.

Fill the calendar

Drive bookings with promotions and local ads.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Appointment revenue

Consistency of appointment-driven deposits across the month.

Seasonality

Slow stretches and busy seasons are read in context.

Service + retail mix

Service and product retail deposits reviewed together.

We factor appointment-driven and seasonal revenue patterns.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time open: 6+ months of bookings
Time open: Just opened / under 3 months
Monthly deposits: Steady appointment revenue
Monthly deposits: Thin or erratic bookings
Bank activity: Recovers after slow weeks
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

Bookings dip in slow seasons — does that hurt?

No. Seasonal swings are expected for salons and med spas. Underwriting looks at deposits across months, not one slow stretch.

Can I fund new equipment like lasers or chairs?

Yes — equipment, inventory, and renovations are common uses. Amounts depend on underwriting and your deposit history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.