Industry Guide
MCA Funders for Nail Salons
Why Nail Salons Take Out MCAs
Renovation and remodeling
Salons need to stay modern to compete. New stations, updated decor, better lighting, and comfortable seating keep clients coming back and attract new ones.
Product and supply stocking
Gel polishes, acrylics, nail art supplies, disposables, and sanitization products need to be purchased in bulk. Wholesale orders tie up cash before services generate revenue.
New equipment
Pedicure chairs, UV/LED lamps, ventilation systems, and sterilization equipment wear out and need replacing. Quality equipment improves service speed and client satisfaction.
Adding new services
Expanding into lash extensions, waxing, facials, or microblading requires training, licensing, and equipment investment before the new services generate income.
Hiring and training staff
Finding and training licensed nail technicians takes time and money. New hires need to build their client base before they're profitable for the salon.
Opening a second location
A successful salon owner looking to expand needs capital for lease deposits, buildout, equipment, and initial inventory for the new location.
Nail salons are a bread-and-butter industry for MCA funders. High volume of small transactions, consistent daily card processing, and repeat customers make them low-risk and easy to underwrite. Most funders will take a nail salon deal without much hesitation as long as the bank statements look clean.
The typical nail salon processes a high percentage of revenue through credit and debit cards, which gives funders clear visibility into daily sales. Cash tips and walk-in traffic add to the picture, but funders primarily evaluate the card processing statements and bank deposits. Salons with booth rental models can be trickier since the owner's deposits may not reflect total salon revenue.
Deal sizes for nail salons typically range from $10K to $75K. Multi-location salon owners or those with additional services like waxing, lash extensions, and facials can qualify for more. These deals move fast — clean statements, 6+ months in business, and $8K+ in monthly deposits will get offers from most funders on the list.
61 Funders Accept Nail Salon
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
The liquidity network
VerifiedMin Revenue: $0/mo
Max Positions: 6
Defaults: ✓ Accepted
Highland Hill Capital
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Clovex
VerifiedMin Revenue: $50,000/mo
Max Positions: 99
Defaults: ✕ No
Black Rok
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
G6 Advance
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
Barclays Advance
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Frequently Asked Questions
Are nail salons easy to fund?
Yes — a high volume of small card transactions and repeat customers make them low-risk and quick to underwrite. Clean bank statements and six or more months in business usually draw multiple offers.
How much can a nail salon get?
Deals typically range from $10,000 to $75,000. Multi-location owners or salons adding waxing, lashes, and facials qualify for more.
What deposits do funders want to see?
Funders mainly evaluate card processing statements and bank deposits — roughly $8,000 or more in monthly deposits with clean statements gets offers from most funders.
Does a booth-rental salon complicate funding?
It can. With booth rental, the owner's deposits may not reflect total salon revenue, so funders look carefully at what actually flows through the business account.
Which funders work with nail salons?
Most funders accept them. Filter by industry on MCA Directory to compare options and connect with ISO reps.
Need a more specific match?
Use the full search matrix to filter by revenue, credit score, positions, and more.
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