New York salon and spa owners use revenue-based funding for equipment, renovation, and expansion — fast decisions based on your revenue, no personal assets required.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Complete remodel of 8 styling stations, flooring, and lighting. Revenue-based on $18K/mo in service revenue.
New massage tables, facial equipment, and 90-day product inventory for a medspa expansion.
Lease deposit, build-out, and equipment for a second salon location. No personal real estate pledged.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
| Feature | Four Point Group | Lendio / Bluevine | Bank / SBA |
|---|---|---|---|
| Personal collateral required | ✗ Never | Sometimes | Usually required |
| Decision timeline | 1–3 days | 3–10 days | 30–90 days |
| Revenue-based underwriting | ✓ Primary method | Partial | Credit-first |
| Hard credit pull on apply | ✗ Soft pull only | Hard pull | Hard pull |
| Min. funding amount | $10,000 | $5,000–$25,000 | $50,000+ |
| Industry expertise | Salons & Spas specialists | Generalist marketplace | Generic products |
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Yes. We fund salons & spas across the United States including New York. The application process and terms are the same nationwide — revenue-based underwriting, no personal collateral, decisions in days.
Yes, if the operating entity — the LLC or sole prop that collects booth rent and receives deposits — has 6+ months of consistent bank deposits, it qualifies.
Yes. Revenue-based products don't require you to pledge the property or equipment. Your cash flow is the security.
No. Many salon and spa owners with fair-to-good credit qualify based on their revenue history.
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