Your score is not the whole story. We weigh your store's deposits, consider FICO 500+, and start with a soft pull.
Check My OptionsBad Credit Hardware Store Funding
Contractor counters, seasonal aisles and weekend DIY traffic all show up in your bank statements. That is what we read first when credit is bruised.
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.
Three months of bank statements and a 5-minute application. Qualified stores can be funded in as little as 24 hours.
FICO 500+ considered. We look at deposits and obligations, not just a number from years ago.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer up front so you can match it to your busy and slow seasons.
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.
A hardware store runs on foot traffic from contractors, homeowners and weekend fixers. That steady stream of sales shows up in your bank account every week, even if a rough stretch a few years back dragged your personal credit down. Banks often stop at the score. We look at the deposits first.
FICO 500+ is considered, and we start with a soft credit pull, so seeing what is available does not touch your score.
Hardware and supply stores have a rhythm: spring and early summer project season, slower winter months in colder regions, and contractor accounts that may pay on their own schedule. When we review your file we focus on:
No tax returns are required, and sole proprietors can apply.
"Bad credit loan" covers several products. Stores with heavy card volume often look at a merchant cash advance for hardware stores. If you want flexible cash for stock and payroll, see working capital for hardware stores. For a key cutter, paint mixer or forklift, equipment financing may fit better.
Once your application and statements are in, we review how money moves through the account across a full cycle of weeks. We are not hunting for a perfect file. We want to see a store that is open, selling and covering its bills. If an offer makes sense, it shows the amount, the full repayment amount and the repayment schedule in writing. You can read it, ask questions and decide. Nothing is final until you accept.
If credit is the main worry, the hardware store qualification guide explains how funders weigh scores, time in business and deposits together, so you know what to expect before you start.
Most requests tie back to inventory timing: loading up on lawn and garden goods before spring, buying a truckload of lumber at a good price, or stocking snow shovels and ice melt ahead of the first storm. Others cover a cooler or POS upgrade. Our hardware store inventory funding page goes deeper on stocking cycles.
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. The 5-minute application is at /apply/.
FICO 500+ is considered. Your score is one input, but steady deposits and a manageable level of existing obligations carry a lot of weight in our review.
We start with a soft credit pull, which does not affect your score.
About three months of business bank statements and the 5-minute application. No tax returns are required.
Seasonality is normal for hardware stores. We look at the full pattern of your deposits, and your offer lays out the repayment schedule up front so you can judge it against your slow months.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Our review centers on your deposit history and existing obligations. Any specifics for your file are spelled out in the offer before you accept.
Example uses for illustration only.
A few steps can strengthen a hardware store's file before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding