Barber Shop Business Loans
Get up to £6000 funding within 24-48 hours
Running a barber shop is about more than haircuts upgrade tools, expand your space, or boost marketing with quick, flexible funding to thrive.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Barber Shop Loans
Understanding your funding options is key to choosing the right solution. Here are five loan types tailored for barber shops.
1. Merchant Cash Advance (MCA)
Get upfront funding based on your future card sales. Repay a percentage of daily transactions, making it ideal for seasonal or fluctuating revenue.
2. Equipment Financing
Spread the cost of upgrading clippers, chairs, or barber stations with fixed monthly payments.
3. Business Lines of Credit
Access flexible funds when needed, paying interest only on what you use—perfect for emergencies or managing cash flow.
4. Short-Term Loans
Quick funding to handle immediate needs like staffing, promotions, or renovating your space.
5. Refurbishment Loans
Finance upgrades like adding more chairs, updating your interior design, or improving lighting to create a modern and welcoming atmosphere.
Comparison Table: Types of Restaurant Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance | 24–48 hours | No | % of daily card sales | Seasonal or fluctuating income |
Equipment Financing | 2–7 days | Yes | Fixed payments | Purchasing tools and equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Cash flow gaps or emergencies |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments | Immediate expenses or upgrades |
Refurbishment Loans | 1–2 weeks | Yes | Fixed payments | Interior design or expansion |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.
How MCA Works?
A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.
Benefits of Merchant Cash Advances for Barber Shops
Merchant Cash Advances (MCA) provide barber shops with a fast, flexible, and hassle-free funding solution tailored to their unique needs. Whether you’re expanding, upgrading equipment, or managing seasonal cash flow, an MCA offers several advantages:
Flexible Repayments – Aligned with Your Sales
Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.
Compatible with Your Card Machine
No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Barber Shop Loan
Flexible Financing to Elevate Your Barber Shop
The UK barbering industry is thriving, contributing over £3.4 billion each year, with more than 43,000 barber shops across the country. Barber shops are busier than ever, with 65% of UK men getting their hair cut at least once a month, spending around £20–£30 per visit. Trends like premium grooming products, beard styling, and hair treatments are also boosting business.
To stay competitive, barber shops need to keep improving. Using top-quality clippers, razors, and styling tools makes your services better. Adding more barber chairs or upgrading your shop with modern furniture can attract more customers. Running special offers, loyalty programs, or ads on social media helps bring in new clients and keep regular ones happy.
A Merchant Cash Advance can help you get the money you need to grow. It’s easy to apply, and repayments are based on your daily card sales, so you pay more when you’re busy and less during quieter times. Use the funds to upgrade your shop, expand your services, or prepare for busy periods without worrying about fixed payments. It’s the support you need to keep your barber shop thriving and ahead of the competition.
FAQs About Barber Shop Business Loans
You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.
Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.
Yes! As long as your shop has been trading for at least 3 months and processes regular card sales, you’re eligible.
Use it for equipment upgrades, shop refurbishments, marketing campaigns, staffing, or any other business expense.
No, all costs are clearly explained upfront with no hidden charges or surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
