RushFi for spas and nail salons
Same spa.
Funding for your
new stations.
Banks see a service business with little to pledge. Our lenders look at the steady card payments that follow every appointment.
No credit check to apply · Decisions in days · No obligation
Business checking · this week
Example only. Every business is different.
Your bank is judging the wrong thing.
Regulars, memberships and gift cards are real revenue. Banks tend to see a small service business and ask for more paperwork.
High risk
Few assets, service-based
2–3 yrs
Of tax returns and financials
Weeks
While the upgrade waits
RushFi doesn’t guess.
Lenders in our network fund spas and nail salons on what your business actually brings in. Not a credit score. Not a stack of tax returns.
Same business. A different answer.
Approved on revenue
Your deposits tell lenders more than a credit score does.
Decisions in days
No months-long bank underwriting. Most of the work is your statements.
Every option, one application
Cash advance, line of credit, term loan, equipment and SBA.
More options. Faster. Less paperwork.
Revenue-based funding noun
Funding based on your business’s sales. A lender provides money up front, and it’s repaid from your revenue over time. One application reaches every lender that fits.
The Process
Built around how spas and nail salons actually run. A real advisor with you from application to funding.
Step 01 — Apply
Five minutes. No credit check.
Tell us about your spa
A short application from your phone or the office.
Connect your bank statements
Secure, read-only. Or upload them.
Your advisor takes it from there
No business plan, projections or tax returns.
Works with how spas and nail salons get paid.
If it lands in your bank account, lenders can see it.
Step 02 — Match
Every lender that fits. At once.
- Your file goes to the lenders that fund spas and nail salons
- Matched on revenue, time in business and industry
- One no doesn’t end it. You see the other options
Built for spas and nail salons
New treatments are our specialty.
A new machine or room adds revenue, but you pay for it first. Here’s what a typical week can look like.
- Day 0Wants to add laser servicesMachine quote: $22,000
- Day 0Applies with RushFiFive minutes, between clients
- Day 1Matched with lendersRevenue, not credit score
- Day 2Offers side by sideAdvisor walks through payback
- Day 3Signs with the lenderLender sends the funds
- Day 6Machine deliveredNew service on the menu
Still reviewing
New service
Step 03 — Compare
Every offer, side by side. Pick the best one.
- Amount, total payback and payment, up front
- An advisor walks you through each one
- No obligation to accept anything
Example offers. Real terms come from the lender.
Step 04 — Done
As easy as 1 2 3, Funded.
You sign with the lender you pick, and the lender funds you. That’s it.
Your spa gets funded. Faster.
Better money next time.
Questions, answered.
Straight answers on cost, credit and how RushFi works for spas and nail salons.
Do memberships and gift cards count as revenue?
Deposits that reach your bank account show up in your statements, so lenders can see them alongside your regular card sales.
Can I use it for new treatment equipment?
Yes. You can use a cash advance for equipment, or your advisor may show you equipment financing from the same application.
What if my business is seasonal?
Lenders look at your overall deposits, so a slower stretch isn’t automatically a no. Apply and your advisor will show you what fits.
Will applying affect my credit?
No. RushFi doesn’t run a credit check when you apply. Some lenders may check your credit before making an offer, and they’ll tell you first.
How much can I get?
It depends mostly on your monthly revenue and time in business. Your advisor will show you real offers, not estimates.
How is it repaid?
Usually through small automatic payments from your business bank account. Your offer will show the total payback, the payment and the schedule up front.
Is RushFi a lender?
No. RushFi is a broker. We match you with lenders in our network, and the lender you choose provides the funding.
RushFi doesn’t run a credit check. Lenders may check credit before making an offer. RushFi is a broker, not a lender.