Invoice Factoring for Lash Lift Studio
Manu helps lash lift studio owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How lash lift studio businesses use this financing
Common uses of funds:
- Lash beds, magnifying lamps, and sterilization tools
- Lift and tint solution inventory and disposables
- Suite build-out, branding, and online booking system
- Working capital between appointment-heavy seasons
Typical loan size: Lash lift studios are low-capital, with most loans between $15K and $100K for build-out, equipment, and initial product inventory.
Seasonality: Bookings surge around wedding season, prom, and the December holidays, then quiet in mid-winter and late summer, so studios use small lines for slow stretches.
Most common reason for decline: Lenders often decline lash studios for very short operating history, single-operator concentration risk, and limited collateral or financial records.
Best-fit products for lash lift studio: Working Capital Loans, Lines of Credit, Equipment Financing.
Capital use cases for lash lift studio businesses
- Suite build-out: Owners borrow $15K–$60K via a working capital loan for lash beds, magnifying lamps, branding, and an online booking system, repaid over 12–24 months as the client book fills.
- Slow-season bridge: A $10K–$30K line of credit covers rent through the mid-winter and late-summer lulls, repaid when wedding, prom, and holiday bookings spike.
- Sterilization equipment: A $5K–$25K equipment loan funds sterilization tools and lamps, financed over 2–3 years so the studio meets health standards without draining cash reserves.
Funding options for lash lift studio businesses
Why Lash Lift Studio owners choose Manu
How lash lift studio business loans work with Manu
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Other funding options for lash lift studio businesses
Frequently asked questions
How is invoice factoring different from accounts receivable financing?
Invoice factoring means selling your unpaid invoices to a factor at a small discount — the factor pays you up to 95% upfront and then collects from your customers directly, so no debt is added to your balance sheet. Accounts receivable financing means borrowing against those same invoices while keeping ownership: you continue collecting from customers yourself and the financing shows up on your books as debt. Factoring usually costs more but gets you out of collections; A/R financing is typically cheaper and keeps customer relationships private.
What kind of business loans can Lash Lift Studio owners qualify for?
Through Manu's partner application, lash lift studio owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Lash Lift Studio business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying lash lift studio businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Lash Lift Studio financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Lash Lift Studio businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: