Industries / Salons & Nail Spas

MCA Debt Relief For Salons, Nail Spas & Beauty Businesses

Your book can be full on Saturday and wide open on Tuesday. Rent, product orders and your team's pay don't care which one it is, and neither does the merchant cash advance pulling from your account every business day, including the days you're closed.

We help salon and spa owners bring those payments down to something the chairs can actually cover, deal with the funders directly, and get back to running the business instead of watching the bank balance.

Speak To A Salon Debt Specialist (866) 733-2121
Stylist and client laughing at the chair Nail tech doing a manicure
Nail spa, FL$2,900 → $1,050weekly debits after enrolling
Who we work with
Empty salon chairs on a slow weekday
Packed weekends, empty weekdays
Funders taking a cut of card sales
Product and supply orders
Rent going up every renewal
Stylists and techs leaving with clients
Slow months after the holidays

Why Salons And Nail Spas Get Squeezed By MCA Debt

Beauty businesses run on appointments, and appointments are never even. Saturdays and the weeks before the holidays carry the month. A slow Tuesday, January or a rainy week can barely cover the lights. Rent, product, insurance and your team still get paid on the same schedule either way.

Card sales make salons an easy target for MCA funders. They can see every swipe, approve you in a day and take their cut straight from your processor. When a slow stretch hits, that cut doesn't shrink as fast as your sales do, and a lot of owners end up taking a second advance just to make rent.

If that's already happened, read why stacking merchant cash advances makes things worse before you take a third.

Busy Saturdays Don't Cover Closed Mondays

Four weeks at a six station nail spa that's closed Sundays and Mondays, with one advance debiting $420 every weekday. Look at what happens on the days the doors are locked.

BOOKINGS CALENDAR

Daily sales and debits

Sales this month$35,850
MonTueWedThuFriSatSun
1Closed-$420
2$850$0.8k-$420
3$1,120$1.1k-$420
4$1,460$1.5k-$420
5$2,380$2.4k-$420
6$3,050$3.0k
7Closed
8Closed-$420
9$910$0.9k-$420
10$1,040$1.0k-$420
11$1,520$1.5k-$420
12$2,450$2.5k-$420
13$3,210$3.2k
14Closed
15Closed-$420
16$780$0.8k-$420
17$960$1.0k-$420
18$1,390$1.4k-$420
19$2,210$2.2k-$420
20$2,940$2.9k
21Closed
22Closed-$420
23$940$0.9k-$420
24$1,180$1.2k-$420
25$1,610$1.6k-$420
26$2,520$2.5k-$420
27$3,330$3.3k
28Closed
-$420MCA debit -$420Debit on a day you're closed Busier day
This month, the advance took $8,400 about 23% of everything you sold
  • 20 debits of $420, every weekday
  • $1,680 pulled on Mondays, while you were closed
  • Before rent, product, payroll or card fees

Fast Money That Costs More Than A Slow Season

Most salon owners we talk to took their first advance for something reasonable. New pedicure chairs, a buildout for a second location, or getting through the quiet weeks after New Year. It funded in a day and the payments looked fine on a busy month.

Then a top stylist left and took her book with her, or the street out front got torn up for construction, and the same debit kept coming out. That's usually when the renewal call comes with more money on top. We help owners get out of that cycle without closing the doors.

"I was paying the funder before I paid my nail techs. That's when I knew something had to change."Linh T., nail spa owner
Stylist blow drying a client's hair

You might need MCA relief if you're...

Signs Your Salon Is Stuck In A Debt Cycle

Owners in this business are used to taking care of everyone else first. This is your sign to look at your own numbers.

Paying the funder before you pay your team
Skipping product orders or running low on stock
Falling behind on rent or the equipment lease
Using a new MCA to pay off an old one
Dreading Mondays because the debit hits while you're closed
Funders calling the front desk

How We Help Salon And Spa Owners Get Ahead Again

We look at your real bookings, your card processing and your busy and slow seasons, then build a plan your salon can actually keep up with.

01

Free review of your MCA agreements, processing statements and bank statements

02

A payment plan sized to your real bookings, slow weeks included

03

We deal with the funders so collection calls never reach your front desk

04

One predictable payment so you can restock, pay your team and plan ahead

Speak To A Salon Debt Specialist

Customer Results

Recent settlements for salons, nail spas and barbershops we've worked with.

64%Savings

Nail spa, FL
Debt: $58,400
Paid: $21,020

55%Savings

Hair salon, 2 locations, TX
Debt: $96,000
Paid: $43,200

48%Savings

Day spa, AZ
Debt: $122,500
Paid: $63,700

59%Savings

Barbershop, GA
Debt: $34,800
Paid: $14,268

51%Savings

Lash studio, CA
Debt: $27,600
Paid: $13,524

What Salon Owners Are Saying

I was embarrassed to call. I've done hair for 22 years and never owed anybody. They didn't make me feel bad for one second, and my payments are about a third of what they were.

★★★★★
DR
Denise R.
Hair Salon Owner

We're closed Mondays and the funder pulled every Monday anyway. They got all three funders to agree to a weekly payment that actually fits our schedule.

★★★★★
KN
Kevin N.
Nail Spa Owner

My front desk was taking collection calls three times a day. That stopped the first week we signed up.

★★★★★
MP
Marisol P.
Day Spa Owner

Honest about the fees and honest about the timeline. I knew exactly what I was signing up for before I signed anything.

★★★★★
AB
Andre B.
Barbershop Owner

They looked at my booking reports, not just my bank statements. The plan they made still works in January.

★★★★★
TL
Tiffany L.
Lash Studio Owner

Took a second advance to cover the first one? Why Stacking Merchant Cash Advances Makes Things Worse shows what it really costs.

Read The Article

Common Questions Salon Owners Ask

Can I keep my salon open during the program?

Yes. Keeping you open is the point. You keep booking clients and running the business while we work with your funders in the background.

I have booth renters and commission stylists. Does that matter?

It helps us to know. Booth rent is steady income and commission pay moves up and down with sales, so both change what kind of payment plan makes sense. We'll go over how your salon is set up on the consultation.

My funder takes a split of my card sales. Can you still help?

Yes. Whether your funder takes a percentage from your card processor or pulls a fixed amount from your bank, we can work with it. We'll look at how your agreement is set up and plan around it.

Will my team or clients find out?

Not from us. We deal with your funders directly. Your team, your clients and your landlord don't need to be involved.

We have slow months every year. Can the plan account for that?

It should. We look at your sales across the whole year, not just your busy season, so the plan still works in January and in the middle of summer.

Is this the same as bankruptcy?

No. Bankruptcy is a court process. Our program is worked out directly with your funders outside of court, and your business keeps running the whole time. If bankruptcy might honestly be a better fit for you, we'll say so and suggest you talk to a bankruptcy attorney.

Will this affect my credit?

It can. Restructuring or settling debt may show up on your credit, and some funders report missed payments. We'll go over what to expect on your consultation so nothing catches you off guard. Most owners we talk to are more worried about keeping the business open than about their score, but it's your call to make.

Free, Private MCA Consultation For Salon & Spa Owners

Answer a few quick questions and pick a time that works for you. It takes about a minute and there's no obligation.

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Where can we reach you?

Book your free consultation

Ready to have your situation reviewed by a certified Workout Senior Underwriter? Start the process by booking a free initial consultation.

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Want to talk now? Call us at (866) 733-2121