Funding for Tattoo & Piercing Studios

Cover a buildout, add a chair, stock up on ink and needles, or ride out a slow month. Approved on your bank deposits, not your credit score — FICO 500+ OK, funded in as little as 24 hours.

Money that fits how a tattoo shop actually earns

A tattoo and piercing studio doesn't run on a steady paycheck. You get a rush around conventions, tax refund season, and the weekends — then a dead Tuesday afternoon in the middle of a slow winter stretch where the phone barely rings. A lot of your cash walks out the door in ink, needles, cartridges, jewelry, autoclave supplies, and booth rent long before the next big weekend refills the register.

Traditional lenders don't get that. They stare at your credit score, ask for two years of tax returns, and want collateral you don't have. We look at something more honest: the deposits landing in your business bank account. If money is moving through your shop, you can qualify — even with a FICO in the 500s and no collateral for working capital.

A real dollar example

Say your studio deposits around $40,000 a month across card payments and cash. You want to add a second tattoo chair and a dedicated piercing room — new station, autoclave, jewelry inventory, and a few weeks of marketing to fill the new artist's calendar. That's roughly $30,000 you need up front, well before the new setup pays for itself.

Based on deposits like that, funding in the $25,000–$35,000 range is realistic. You'd send in your recent bank statements, get a soft-pull offer that doesn't ding your credit, and if it works for you, the new chair is built and booked while a bank would still be asking for your tax returns. Every offer is sized to your real numbers — this is an example, not a quote.

How it works

• Apply in minutes. Basic business info and your last few months of bank statements — no tax returns, no business plan.
• Soft credit pull. Checking your offer won't hurt your score. FICO 500+ is fine; we weigh your deposits far more than your credit.
• Approved on deposits. Steady money through your account matters more than a perfect credit history.
• Funded fast. Approvals can turn into money in your account in as little as 24 hours.

Funding runs from $10,000 to $5,000,000. No collateral required for working capital, and it works for shops of every size — solo artists renting a booth up to multi-chair studios and multi-location operations.

Straight answers

Can I qualify with bad credit?

Yes. We approve on your bank deposits, not your credit score. FICO 500+ is welcome, and checking your offer is only a soft pull, so it won't affect your credit.

How fast can I get the money?

Fast. If you apply before early afternoon Eastern on a weekday and send your bank statements plus signed paperwork, funding can happen the same day. Apply on Friday and you're typically looking at Monday.

What's the minimum I can get?

The minimum is $10,000, and offers go up to $5,000,000 depending on your deposits.

Do I need collateral?

No collateral is required for working capital. Approval is based on the money moving through your business account.

What can I use it for?

Anything the shop needs — equipment, buildout, adding a chair or artist, supply reorders, marketing, or covering a slow season. It's your call.

What do I need to apply?

Just basic business details and your last few months of bank statements. No tax returns or lengthy paperwork.