Vagaro Capital
Small business funding from Vagaro to grow your business
Vagaro Capital is flexible funding for beauty, wellness or fitness businesses, from $1,000-$500,000, right at your fingertips.
Funding for your business made easy
Quick application, fast cash
Submit your application in minutes, with funds paid out in up to 2 business days.
Fixed up-front cost
One transparent fixed fee agreed up front. No hidden fees, surprises, or late fees.
Payments in line with your income
Payments are automated as a small percentage of your daily transactions.
Customers can reconcile their payments if revenue decreases. "In June 2023, the percent of approved customers funded in 48 business hours was 75%."
Flexible payments empower your dreams' progress
Customized capital based on your credit card sales
Get more cash the more you process with Vagaro Payments. You could become eligible for small business funding when you use Vagaro Credit Card Processing.
Flexible payment options
Unlock small business growth with flexible funding options: Quick, Medium, Extended funding plans; all at your own pace. Choose the fixed fee that you’re comfortable with, set it, then forget it; we automate the payments for you.
Easily pay for your business capital
Pay for your business capital by automating a percentage of your daily credit card sales. Pay less on slow days & more on busier days. With no building interest, you can take as much time as you need.
The opportunities are endless with small business funding
Remodel or upgrade your space to everything you've ever wanted. Invest in your education for you and your team's future or purchase new tools for your business & upgrade your offerings.
CAPITAL FOR HARDWARE
Upgrade your hardware with zero upfront cost
Use Vagaro Capital to upgrade your front desk with sleek, modern hardware.
“It [Vagaro Capital] helps feed your vision and you don’t have to focus on the grind and getting there. You can just make it happen. And that's really where it helped me. It helped me bring the vision to life without all the stress.”
OC Thomas
Owner, Rich in Flesh
Tattoo Shop in San Livermore, CA
Pricing that fits your business
Here's what you'll pay:
1 bookable calendar
*Cancel anytime with no cancellation fees
Vagaro Capital FAQ
- How do you pay for your Vagaro Capital?
Paying for Vagaro Capital back process for your small business funding involves automatic deduction of a fixed percentage from your card sales until the full amount is paid off. This means that if your sales are high on a particular day, your repayment amount will be higher, and if your sales are low on a particular day, your repayment amount will be lower.
- What factors are considered when determining my business's funding offer?
When determining your small business funding offer, various factors related to your business are taken into account. These include payment processing volume, account history, and payment frequency, among others. You must also be using Vagaro Payment Processing for a minimum of 4 months before applying for Vagaro Capital.
- Is it possible to make prepayments on Vagaro Capital?
Yes, you can make prepayments on your small business funding at any time, and there will be no additional cost involved. Making prepayments does not alter the total amount you owe.
- Will there be any late fees added to my total owed amount?
No, there will be no additional fees added to your total owed amount for late payments
- Will applying for small business funding impact my credit score?
No, applying for Vagaro Capital will not have any impact on your credit score
- How does Vagaro Capital work?
If eligible, you’ll receive an offer with available cash advances. Once you’ve selected your funding level, we will agree on a price with you. This is one fixed cost added to your advance, which will form your total repayment.
To process your application, we will look at your business and conduct some checks, including affordability, credit, and insolvency.
Once approved, you’ll get your funds.
- Is Vagaro Capital a loan?
No, Vagaro Capital is a Cash Advance not a loan. It’s an alternative form of financing that, unlike a traditional loan, does not have a fixed repayment term nor recurring interest or APRs.
- Can I tailor my quote?
Yes. Choose your preferred funding amount (within limits) and the percentage of your card transactions that you’d like to pay towards the advance. This will determine the funding fee and the overall amount that you’ll pay.
- How much funding can I get?
This depends on your business sales. Your monthly card transactions will be examined and give you a personalised funding amount.
- Can I adjust my funding amount after I’ve received my funds?
No, it’s not possible to immediately change the total amount that you’ve received. However, you may be eligible to top up your funds once you’ve repaid a minimum of 50%.
- What are the minimum eligibility requirements?
To qualify for an offer for Vagaro Capital, your business must:
- Be located in the UK.
- Have processed payments with Vagaro Merchant Services for a minimum of four months.
- Have a monthly minimum transaction processing volume of 1,500 GBP.
- If you’ve previously applied for Cash Advance and been rejected, you’ll be ineligible to receive new offers for three months.
Please note that meeting the minimum eligibility requirements outlined doesn’t guarantee qualification.
This product is for business purposes and not for consumer purposes.