PET STORES & GROOMING • LINE OF CREDITPet store & grooming business financing — keep every tail wagging
Loot offers pet stores and grooming businesses an unsecured business line of credit from $5,000 to $100,000. Use it to cover food, supplies and payroll, or give your business the room to replace a grooming tub or open a second location without draining the cash needed for everything else. Established pet stores and groomers with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Pet store & grooming challenges: inventory, equipment and slow seasons
Pet stores need to keep shelves stocked with food, litter and supplies well before those items sell, and a supplier price increase or a bulk order can strain cash fast. Grooming businesses depend on tables, tubs and dryers that can't be down for long, since a missed slot means a lost booking that doesn't come back. A slow post-holiday stretch or a summer lull in appointments can shrink revenue while rent, payroll and inventory costs keep going.
Stock food, litter and supplies before the shelf sells through- Repair or replace a grooming tub, table or dryer fast
- Cover payroll and rent through a slow stretch of appointments
Where a pet store & grooming line of credit does the heavy lifting
Six moments when pet retail and grooming cash flow needs backup — and how a Loot line of credit can help.
Stock food, litter and supplies ahead of demand
Pet stores often need to buy food, litter, toys and supplies in bulk to get supplier pricing, well before those items sell through. A line of credit can help cover inventory orders without pulling cash away from payroll or rent.
Repair or replace grooming tubs, tables or dryers
A broken grooming tub, hydraulic table or dryer can shut down appointments for the day, and a missed slot is a booking that doesn't come back. A line of credit can help cover a repair or replacement fast, so the schedule keeps moving.
Cover payroll for groomers and store staff
Groomers and retail staff still need to be paid whether the schedule is fully booked or running slow. A short-term draw can help cover payroll without taking cash away from inventory or equipment.
Stock up for a seasonal or holiday sales rush
Holiday gift items, seasonal treats and flea and tick supplies for the warmer months often need to be ordered and paid for weeks before the season's sales come in. A line of credit can help cover that inventory so the store is ready when customers show up.
Ride out a slow season in appointments or foot traffic
A quiet stretch after the holidays or a summer lull in grooming bookings can shrink revenue while rent, payroll and inventory costs keep going. A revolving line can help smooth the gap between a busy season and a slow one.
Open a second location or add grooming stations
A second storefront or additional grooming stations can be good business, but it usually means buildout costs, new equipment and extra staff before the expansion pays for itself. A line of credit can give owners the working capital to grow without straining the location that's already running.
How a pet store & grooming line of credit helps
A business line of credit for pet stores and grooming businesses provides flexible capital for inventory, equipment and payroll. Draw loot when needed, repay as sales and bookings come in, and keep every tail wagging.
Loot for food and supplies
Draw capital instantly to stock food, litter, toys and grooming supplies.
No hidden costs
Only pay for what you use — no extra fees nipping at your margin.
Fits any store or salon size
From a single grooming table to a multi-location retail and grooming business, the line flexes with your needs.
Trusted by pet store and grooming business owners
Built by operators who understand bulk inventory orders, booked appointment schedules and equipment that can't afford to go down. Transparent pricing, no hidden costs.
Speed that beats a broken dryer
From application to funding, Loot provides pet business owners with capital faster than a repair tech can make it in for a same-day call.
Flexible like a grooming schedule
Use a little or a lot. Repay as sales and bookings come in. Scale limits as the business grows.
How a Loot line of credit works for a pet store or grooming business
Say your business needs $15,000 to replace a failed grooming tub, restock food and litter, and cover payroll through a slow week of bookings. With Loot, you can draw $15,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If sales and bookings pick up sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for pet store & grooming business financing
To qualify with Loot, your pet store or grooming business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Pet store & grooming line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Inventory, payroll timing, equipment repairs, seasonal and slow-season gaps | Larger one-time buildouts or major equipment purchases | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large buildout. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat pet store and grooming needs, like inventory orders, payroll timing, equipment repairs, and seasonal gaps.
What pet store & grooming business owners can use a line of credit for
- Pet food, litter and treats
- Toys, supplies and accessories
- Grooming tub, table and dryer repairs
- Groomer and retail staff payroll
- Seasonal and holiday inventory
- Flea and tick season supplies
- Point-of-sale and booking system upgrades
- Hiring, expansion, or a second location
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for independent pet stores
Financing for independent pet stores can help owners manage bulk inventory orders and the gap between paying suppliers and collecting daily sales. A line of credit can help cover food, litter and payroll while the shelves stay stocked.
Financing for pet grooming salons
Financing for pet grooming salons can help cover equipment repairs, payroll, and supply costs between appointments. A line of credit can help keep the schedule moving without a booking sitting empty.
Financing for combined pet store and grooming businesses
Financing for combined pet store and grooming businesses can help cover both retail inventory and grooming equipment costs at once. A line of credit can help balance the two sides of the business without draining either.
Financing for pet store and grooming equipment
Financing for pet store and grooming equipment can help when a grooming tub, hydraulic table, or dryer breaks down. Equipment failures can't wait for next month's cash flow. A line of credit can help cover the repair fast.
Financing for seasonal pet retail demand
Financing for seasonal pet retail demand can help cover holiday gift inventory and flea and tick season supplies before the season's sales come in. A line of credit can help the store stock up in time.
Financing for pet businesses expanding to a second location
Financing for pet businesses expanding to a second location can help cover buildout costs, new equipment, and staffing before the new location turns a profit. A line of credit can help fund growth without straining the original store.
Pet store & grooming financing FAQs
Yes. Pet stores and grooming businesses can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Pet stores and grooming businesses can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Pet store owners can use a Loot line of credit for pet food, litter, toys and other inventory. You see the total cost before confirming and only pay when you draw.
Yes. Grooming business owners can use a Loot line of credit for grooming tub, table, and dryer repairs or replacements. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll and rent during a slow stretch of sales or appointments, and it revolves as you repay so funds become available again.
Apply for pet store & grooming business financing today
Whether you need to restock food and supplies or want more room to fix a broken grooming tub, a business line of credit can give your pet business working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49