Get $5,000–$500,000 in working capital, equipment financing, or merchant cash advances — designed for pet groomers. Decisions in 24 hours.
Reviewed by MFE Funding Team | Updated March 2026
The U.S. pet grooming industry generates over $11 billion annually and has grown every year for the past decade. But operating a grooming business — whether a brick-and-mortar salon, a mobile unit, or a franchise location — comes with real capital demands that standard business bank accounts rarely absorb on their own.
Professional grooming equipment is expensive. A single hydraulic grooming table from Flying Pig Manufacturing or Groomer's Best costs $800 to $2,500. Add a K-9 III high-velocity dryer ($600–$1,400), a full bathing system, stainless steel kennels, clippers, and a Point-of-Sale system and you are looking at $15,000 to $40,000 in equipment to outfit a four-station salon before the first dog walks through the door.
Mobile groomers face even larger upfront costs. A fully outfitted grooming van — built on a Ford Transit or Mercedes Sprinter chassis with a Hanvey or Wag'n Tails interior conversion, water tanks, a generator, and a tub — typically runs $60,000 to $120,000 new.
Beyond equipment, pet grooming cash flow is seasonal. Holiday weeks around Thanksgiving and Christmas drive 30–40% revenue spikes. Summer brings a surge in de-shedding and summer cuts. But slow periods in January and February can leave thin margins for payroll, rent, and supplier invoices. A business line of credit or working capital loan gives you the buffer to bridge those gaps without sacrificing growth.
Merchant Fund Express offers six funding programs tailored to grooming businesses at every stage:
Short-term working capital loans give you a lump sum to cover operating expenses — rent, payroll, supplies, insurance, and marketing — when cash flow is tight. Terms range from 3 to 18 months. Ideal for groomers preparing for peak season or filling a revenue gap during slow months.
Finance specific grooming equipment with the asset as collateral. This keeps your working capital free while spreading the cost of expensive tables, dryers, kennels, and van conversions over 12 to 60 months. Most equipment deals close in 2–5 business days.
If your grooming business runs a significant volume of credit card transactions, an MCA gives you an advance against future receivables. Repayment is automatic — a fixed percentage of daily card sales — so payments scale with your revenue. Useful when you need fast cash without monthly payment pressure.
Revenue-based financing works similarly to an MCA but repayment is structured as fixed daily or weekly ACH withdrawals from your bank account rather than a percentage of card sales. It fits groomers with strong overall revenue but who do not rely heavily on card-based transactions.
A revolving line of credit lets you draw funds when you need them and pay interest only on what you use. Perfect for recurring expenses like grooming supply orders from Ryan's Pet Supplies or Cherrybrook, or for covering payroll between large client billings.
If you serve corporate clients, veterinary offices, or kennels with net-30 or net-60 payment terms, invoice factoring lets you sell those outstanding invoices for immediate cash — typically 80–90% of the invoice value — within 24–48 hours.
Understanding your capital needs before applying helps you request the right amount. Here is a breakdown of typical equipment costs for grooming businesses:
| Equipment | Brand Examples | Typical Cost |
|---|---|---|
| Hydraulic Grooming Table | Flying Pig, Groomer's Best, PetLift | $800 – $2,500 |
| High-Velocity Dryer | K-9 III, B-Air Bear Power, Shernbao | $600 – $1,400 |
| Bathing System / Tub | Shor-Line, Flying Pig, Groomer's Best | $1,200 – $3,000 |
| Professional Clippers | Andis, Wahl, Oster | $200 – $600 each |
| Stainless Steel Kennels | Shor-Line, Mason Company | $400 – $1,200 each |
| Grooming Van (converted) | Hanvey, Wag'n Tails, Suburban K9 | $60,000 – $120,000 |
| POS & Scheduling Software | MoeGo, 123Pet, Gingr | $800 – $3,000/yr |
| Full 4-Station Salon Buildout | Mixed equipment | $25,000 – $60,000 |
Pet grooming revenue is not linear. Most salons see predictable peaks and troughs that stress-test their working capital:
Having a business line of credit or pre-approved working capital facility before slow periods hit is far more efficient than scrambling for emergency funding in February. Many of our grooming clients apply in October or November specifically to have capital ready before the holiday surge, then repay over Q1.
Merchant Fund Express works with grooming businesses that most traditional banks turn away. Our minimum requirements vary by product:
Call us at (305) 384-8391 if you want to talk through options before applying.
Merchant Fund Express offers pet grooming business loans from $5,000 to $500,000 depending on your monthly revenue, time in business, and credit profile. Most established grooming salons qualify for $25,000 to $150,000.
Yes. Our merchant cash advances and revenue-based financing programs focus on your grooming business revenue rather than your personal credit score. Businesses with as low as a 500 credit score have qualified.
Most pet grooming business loans are approved within 24 hours of submitting a complete application. Funds are typically deposited to your business account within 1–3 business days.
You can use grooming business financing for hydraulic grooming tables, high-velocity dryers, grooming vans, bathing systems, salon renovation, payroll, marketing, or working capital to cover slow seasons.
Typically you need 3–6 months of business bank statements, a voided business check, and a completed application form. Tax returns and financial statements may be requested for larger loan amounts.
Yes. Equipment financing is one of our most popular products for mobile groomers. We can finance the van build-out, grooming tables, dryers, water tanks, and generator systems as a single package.
Most of our programs require at least 6 months in business and a minimum of $8,000–$10,000 per month in gross revenue. Newer businesses may qualify for startup-friendly options.
Our merchant cash advances and revenue-based financing are unsecured — no collateral required. Equipment financing is secured by the equipment itself. Working capital loans may require a general business lien.
Get your pet grooming business funded in as little as 24 hours.
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