Funding for Pet Grooming, Boarding & Daycare Businesses

$10,000 to $5 million to buy kennels, upgrade grooming equipment, build out runs, or expand — approved on your bank deposits, not your credit score, and funded in as little as 24 hours.

Money that moves as fast as your appointment book

Pet grooming, boarding, and daycare is a cash-heavy, capacity-limited business. You can only groom so many dogs a day, board so many overnight, and take so many daycare spots before you're turning revenue away. Growth almost always means spending real money up front — more kennels, more runs, another grooming station, a bigger space — long before that expansion pays you back.

The trouble is your revenue swings with the calendar. Holidays and summer travel pack your boarding runs. January and rainy stretches go quiet. A bank looks at that up-and-down deposit history and hesitates. We look at the same statements and see a business that consistently brings money in — which is exactly what we fund on.

We fund pet care businesses from $10,000 to $5 million (nothing under $10K). Approval is based on your business bank deposits, not your credit score. Checking your options is a soft pull that won't ding your credit, FICO 500+ is fine, and working capital needs no collateral.

What owners actually use it for

• Kennels, runs, and boarding buildout — new indoor/outdoor runs, gates, flooring, drainage, and HVAC so you can board more animals safely.
• Grooming equipment — hydraulic tables, high-velocity dryers, tubs, clippers, and a second or third grooming station to cut wait times.
• Daycare space and safety — play-yard turf, fencing, cameras, air filtration, and sound dampening for a bigger, calmer floor.
• Expansion or a second location — first/last month rent, buildout, and permits before the new spot earns a dollar.
• Staffing up for the busy season — hiring and training groomers and attendants ahead of the holiday and summer rush.
• Slow-season working capital — covering rent, payroll, and food orders through the quiet months without falling behind.

A real dollar example

Say you run a grooming salon with a small boarding side and want to add six indoor runs plus a second grooming station before the winter travel season. The buildout, kennels, and equipment come to about $48,000. You could try to save it up over a year of good months — and miss the season that would fill those runs.

Instead you pull $50,000 in working capital. The runs and station are in before the holidays, you're boarding more dogs and grooming without the two-week backlog, and the extra capacity starts covering the cost while demand is at its peak — instead of watching bookings you couldn't accept walk to the shop across town.

How fast is fast?

Here's our honest speed rule. If we receive your recent business bank statements and your signed agreement back before early afternoon Eastern on a weekday, same-day funding is on the table. Later in the day, it typically funds the next business day. Send everything in on a Friday and you're generally looking at Monday. No games — just how the funding day actually works.

What you need to apply

• Your 3 most recent business bank statements (this is the big one — it's how we see your deposits).
• Basic business details — how long you've been open and your monthly revenue.
• A signed agreement once you accept an offer.

No tax returns to dig up, no business plan, no collateral for working capital. The application takes minutes.

Straight answers

Do I need great credit to get funded?

No. Approval is based on your business bank deposits, not your credit score. FICO 500+ is fine, and checking your options is a soft pull that won't affect your credit.

How much can a pet grooming or boarding business get?

Between $10,000 and $5 million. The minimum is $10,000 — we don't fund under that. Your amount is driven mostly by your monthly deposits.

My revenue is seasonal — is that a problem?

Not at all. Pet care is naturally busy around holidays and summer and slower in the off months. We fund around that reality and look at your overall deposit pattern, not a single slow week.

Can I use it to buy kennels and grooming equipment?

Yes. Owners use it for kennels, runs, grooming tables and dryers, daycare buildout, a second location, staffing, and slow-season working capital — it's your money to put to work.

Do I need to put up collateral?

No collateral is required for working capital. We're funding against your business's cash flow, not your equipment or building.

How fast can I actually get the money?

As little as 24 hours. Get your statements and signed agreement to us before early afternoon ET on a weekday and same-day is possible; Friday submissions generally fund Monday.

Ready to add capacity?

Whether it's more runs, a second grooming station, or the working capital to get through a slow stretch, the money is here when you're ready. Apply now — it takes minutes and won't touch your credit to check.