Funding marketplace, beauty vertical

The problem

Beauty professionals (solo creators, salon owners, indie brands) struggle to access working capital, equipment leasing, and growth loans. Generic fintech treats them as risky thin-file applicants because their cashflow patterns do not match conventional retail or services. Bank underwriting models miss the category, which forces beauty pros to fund growth from personal savings or punitive credit cards.

The approach

We are building a vertical financing marketplace for beauty pros: working capital, equipment leasing, growth loans matched to revenue. Underwriting is tuned to category-specific cashflow patterns (booking-based revenue with strong seasonality, equipment as collateral, social-channel revenue signals). The marketplace layer routes the right product to the right applicant. The platform runs on .NET, Angular, and MSSQL.

Stack and engineering choices

• .NET backend
• Angular SPA frontend
• MSSQL database
• Category-tuned underwriting model
• Working capital + equipment + growth loans
• Booking-revenue signal
• Lender adapter pattern

Outcome

Beauty pros access capital that conventional underwriting misses. Lenders see the category accurately for the first time. The marketplace is a category-first fintech instead of a generic tool with a beauty pivot deck.