Business funding for pet grooming and boarding businesses
Grooming and boarding businesses take payment at the time of service, mostly by card, which gives lenders a clean read on revenue. Funding here usually goes toward grooming and bathing equipment, kennel or boarding space, and covering slower stretches between busy seasons.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Buying grooming tables, tubs, dryers or clipper systems
- Expanding kennel, boarding or daycare space
- Covering payroll and rent through a slow month
- Opening a second location once the first is steady
What usually fits
Products that usually fit
- Equipment financing for grooming tables, tubs and dryers.
- Term loan for a kennel expansion or second location.
- Line of credit for slow-month payroll and rent.
- Merchant cash advance only for urgent needs, sized so daily payments leave room to operate.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Separately, our sister company CELER Merchants offers card processing.
Illustrative example
A worked example
A groomer buys $20,000 of tables, tubs and dryer equipment over 3 years at an illustrative 8–18% a year. Payments come to about $627–$723 per month, or $22,562–$26,030 in total.
The same $20,000 as a merchant cash advance at an illustrative factor rate of 1.20–1.35 means paying back $24,000–$27,000, usually within 6 to 12 months, taken from daily card sales.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Monthly card deposits and appointment or boarding volume
- Lease length and any zoning or kennel licensing requirements
- Existing cash advances or daily debits on the account
- Seasonality in bookings
- Owner credit and time in business
Honestly
Who this is not for
- A business that is not yet open: most lenders need deposit history
- A mobile groomer with no fixed location trying to finance a kennel build-out
- Stacking a second cash advance on top of one you are still repaying
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Pet grooming & boarding funding questions
Can a mobile grooming van be financed?
Sometimes, through equipment or vehicle financing, depending on how the van is outfitted.
Do lenders care about boarding licences or zoning?
For boarding and daycare specifically, yes, some ask to confirm you are properly licensed and zoned for overnight animals.
Is a merchant cash advance a good fit for a seasonal grooming business?
It can be expensive in a slow season since payments come out daily regardless of that day's sales. A line of credit is often a better fit for seasonal swings.
Can I finance used grooming equipment?
Some equipment lenders will finance used tables, tubs and dryers; others only new. Tell us what you are buying and from whom.
Guides
Guides for pet grooming & boarding
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Where we work: all US states · all Canadian provinces
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