Credit took a hit during a slow year? We consider FICO 500+ and look closely at your showroom's deposits.
Check My OptionsBad Credit Funding
We review about three months of business bank statements to see how your furniture store really performs, then size options around those deposits.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours if qualified.
Credit is weighed with your deposits and account history.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The payment schedule is laid out in your offer before you commit.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Furniture retail is hard on credit. Big inventory commitments, slow months after the holidays, a vendor dispute, a lean year when housing cooled. Owners who weathered those stretches often come out with a credit score that does not reflect the store they run today.
We consider FICO 500+. Your score is part of the review, but it sits next to your deposits, your obligations and how the account has been managed.
When credit is a concern, other parts of the file matter more:
No one factor decides a file. Read more in our furniture store qualification guide.
Depending on your deposits, you may see offers for working capital, a merchant cash advance for furniture stores, or revenue-based financing. These are sized mainly from bank activity rather than a credit score.
The application takes about five minutes and starts with a soft credit pull, so you can see options without a hard inquiry. No tax returns are required, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.
Every offer shows the full repayment amount and payment schedule before you accept. With credit already tight, the smart move is a payment you can make every week through February, not the biggest amount on the table.
Funding used for things that generate sales, like replenishing best sellers before a sale event, can help a store get back on firmer footing. Pair it with cleaner banking habits: one business account, fewer overdrafts, no stacking. A stronger bank history helps any future application, with us or anyone else.
FICO 500+ is considered. Your score is weighed alongside deposits, obligations and account history.
They can be a factor. Funders look at current store performance alongside past credit issues.
No. We start with a soft credit pull.
No. About three months of business bank statements is the main document.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Clean up the account where you can. Fewer overdrafts, all sales deposited in one business account, and no new obligations stacked right before you apply all give funders a clearer picture of a store that is performing, even if past credit is rough.
Example uses for illustration only.
These honest steps can help a store with weaker credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding