Cash advances for UK hairdressers & barbers.
For hair salons, barber shops, and independent chairs. Built around your card takings. For owners who know that wedding season pays for January's lull.
What MCA means for a hairdresser or barber.
Card takings dominate, most clients pay by card, retail product sales add another card layer. Your seasonal pattern is sharp: Christmas and weddings fund the year, January and February test cash flow. MCA gives you funding for chairs, kit, retail stock, refit, or stylist hire, repaid through takings you're already generating, with daily repayment % flexing as your weeks flex.
Sound familiar?
The chair area needs refurbishing.
Three chairs are showing their age. New stations + chairs + mirrors comes to £6k to £10k.
MCA covers the refit. Improved space supports a price increase, repayment comes from takings the upgrade enables.
You want to bring on a new stylist.
Hiring a senior stylist needs working capital, first month's wages before client base is established, marketing to fill their column.
MCA bridges the ramp-up. Once their column fills, additional takings cover repayment quickly.
Christmas + wedding stock needs ordering early.
Retail product, treatment supplies, gift vouchers, £3k to £8k of stock-up before the peak.
MCA gets it ordered. Peak takings absorb the repayment.
Here's what it actually costs.
A hair salon borrows £6,000 for a chair-area refurb. Monthly card takings: £12,000. £6,000. Average monthly card takings £12,000. Fixed cost 1.3. 14% daily repayment % on card sales, total cost £1,800.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£6,000
- vs card takings50%
- Fixed cost1.30
- Daily repayment£55
- Avg monthly£1,680
- Est. term4.6 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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£8,000 funded chair refurb + new product line; repaid through Christmas peak.
Illustrative composite based on typical client outcomes. Independent hair salon, £14k/mo card takings, MCA at 1.28 factor, 13% daily repayment. Refurb completed September; price increase introduced; product line launched October. Repaid by January peak.
Illustrative composite scenarioHairdressers & barbers, quick answers.
Card volume drives the advance amount. If most takings are cash, your borrowing capacity is limited. We can still help, but the advance might be smaller than a salon with similar revenue but more card payments.
Funding options for hairdressers & barbers
Hairdressers and barbers take almost every appointment on card, plus retail product sales over the counter. A merchant cash advance (MCA), also called a PDQ cash advance or card machine loan, lets you fund chair refit, retail stock, or a new stylist against that daily card flow. Repayments flex with takings. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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