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Behind every successful beauty salon and spa, there is a stash of inventory. Supplies to fulfill the services you offer. Retail items you sell to patrons. It takes cash to assure you have enough inventory on hand to meet your business needs. For salons and spas, a merchant cash advance (MCA) can be an excellent way to finance your inventory purchases.

MCA’s are based on your credit card transactions. So the more credit card business you do, the more working capital you can obtain this way.


This type of financing is an alternative to traditional bank loans. You can get the money you need quickly. And you don’t need collateral or a personal guarantee. For these reasons, merchant cash advances are popular with small businesses that have poor credit. But you don’t need bad credit to benefit from this form of financing!

A merchant cash advance is very simple. It’s like getting an advance on your paycheck, if you worked for someone else. Your funding amount is based on future credit card transactions. You get the money up front, so you can put it to use right away. The MCA lender then takes a fixed percentage from your ongoing credit card sales until your advance is repaid in full.

If your revenue fluctuates, that’s OK. You aren’t making a fixed payment. When credit card sales are high, the lender receives more. When sales are lower, the lender gets less. So MCA’s are not only convenient and easy, they protect your good credit.

Here at United Capital Source (UCS), we specialize in merchant cash advance loans for small businesses. In fact, UCS is the Number One source in the country for this type of financing.


As a beauty salon or spa owner, you are in the service business. But you cannot serve your clients without the supplies you need to perform those services. Selling hair, skin, and beauty products augments your income from salon or spa services. Retail merchandise gives you separate revenue streams to diversify and grow business. Selling relevant merchandise also reinforces to customers that your spa or salon is an innovative, go-to resource. That can boost your word-of-mouth marketing as well as your income.

Inventory actually supports your business in several ways:

  • You need an ongoing supply of regular inventory to keep up with demand. You certainly don’t want to run out of the products or other merchandise customers love. But if your business is growing fast, your need for new inventory keeps growing, too.
  • You need new inventory to expand your business. For instance, you may want to add a new line of merchandise such as jewelry, fashion accessories, skin care products or fluffy spa robes and towels (branded with your logo, of course). New lines require a larger infusion of inventory.
  • You need to gear up for seasonal sales, especially holiday gift sales.


There are lots of reasons this type of financing has become so popular with small businesses.

Speed. It takes forever to apply for and receive a bank loan. And most small businesses get turned down anyway. When you need more inventory, you need it now. UCS has an easy, quick online application – no fees, no paper. Our approvals usually take just 24 hours, and you can usually be funded within 72 hours. The money is yours and, soon, the inventory will be, too.

High approval rates. Your eligibility depends on your history of credit card transactions. Not your business credit score. As long as you’re an established business, you’ll be eligible. We can work with you if you’ve been in business at least six months.

Flexibility. As I already mentioned, repayment is based directly on credit card sales rather than fixed payments. You can get the loan you need without putting your business in a bind.

Versatility. You can use merchant cash advance loans as a one-time funding option. Say, when you need a quick boost in your inventory. Or you can use merchant cash advance loans as an ongoing cash management tool. You can use the working capital for almost any short-term business need. Versatility is one of the things that makes this type of financing so popular.

A merchant cash advance is a great addition to your cash management program. But it isn’t your only small business loan option. There are several types of funding you can consider, both long-term and short-term. Some require collateral and a personal guarantee. Others, like an MCA loans, do not.

There are a few drawbacks to merchant cash advance loans, too. It’s important to understand those, so you know you’re making the right business decision. To do that, some industry experts suggest you:

  • Interview potential lenders about their fees
  • Check the lender’s rating with the Better Business Bureau
  • Study the company’s website
  • Look for online reviews about them
  • Look for media articles about them
  • Look them up on social media

Really? That’s great advice, but when will have you time to do all that? You have your hands full running your business. The only thing you need to do is call us. We’ve already done all that research. We know the lenders well, so after a free consultation we’ll know which program matches your business best.

Here at United Capital Source, we have a special fondness for women entrepreneurs. And we know many beauty salon and spa owners are women. But, men, we love you, too. Nothing makes us happier than helping small businesses get the financing they need to grow. So let us help you. In the words of spa management expert Leslie Lyon, “know when to bring in the professionals.”

We will help you grow
your small business.

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