Salons and spas sell time, and time does not scale — capacity does. Another chair, another suite, another provider. A revenue purchase funds capacity without handing anyone a piece of your business. This is boutique funding: a person reads your file, not a scoreboard.
Plumbing for bowls, ventilation, stations, the retail display — a salon buildout runs $50k+ and every week of construction is a week of zero books.
W-2 stylists, front desk, and assistants draw pay through the slow Tuesdays and the ramp months alike. The book fills on its own schedule, not yours.
Backbar and retail inventory tie up thousands, with reps pushing minimums. The product margin is real, but the float is yours to carry.
Personal-services businesses get pattern-matched to failure statistics at banks, fair or not. A two-year-old salon doing $30k months with a waitlist still gets declined for lacking history and hard collateral.
Booth-rental models confuse them further — revenue looks small on paper because the stylists are tenants. Cash-flow underwriting reads the deposits as they are, not as the form expects.
Salon revenue is gloriously steady: recurring clients on 4–8 week cycles, card-heavy daily deposits. We advance against that rhythm and remit weekly — the purchase settles out of the same books you already run at 85% capacity.
Spend it on capacity with a payback you can count: the two stations that book out in six weeks, the med-spa device with a $200 margin per 30-minute session, the second suite that doubles your books overnight. Sharp terms, straight answers — that is the whole Cutting Cap model.
Chairs, mirrors, plumbing, and the sign-on bonus for the stylist who brings a full book with her — payback measured in weeks.
A laser, RF, or body-contouring device that adds $8k–$15k a month in high-margin services to an existing client base.
Buildout and deposits to double your capacity while the current books prove the demand is there.
Yes. We underwrite your deposits — booth rent, product sales, your own book — whatever actually lands in the account each week.
Apply with three months of statements and the decision lands in 24–72 hours; funding follows within days of approval. Speed is the entire product.
No changes to your processor or POS. Remittance is a weekly amount from your business account — your card setup stays exactly as it is.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
