FICO 500+ considered. We weigh your nursery's recent deposits, not just a score from a hard year.
See My OptionsBad Credit Business Funding
Freezes, droughts and slow-paying accounts leave marks on credit. We look at how your business is running now and what it can comfortably carry.
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 business bank statements. No tax returns required.
Credit is one factor. Your deposit pattern and current obligations carry real weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
Repayment is laid out in your offer up front, so you know what each period looks like.
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.
Nursery owners often carry scars from a bad year: a late freeze, a drought, a big landscape customer who paid late. Personal credit can take the hit even when the business recovers. Banks tend to stop at the score. We look further.
Our bad credit business loans for nurseries and garden centers consider FICO scores from 500 and give real weight to how your business deposits look today.
Credit is one factor among several. We also look at:
A seasonal dip is not hidden from us, and it does not have to be. Explain it and we can review it in context. For more on this, see how nurseries qualify.
Depending on your file, options can include working capital, a merchant cash advance, revenue-based financing, a line of credit or equipment financing. Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and existing obligations.
When credit is weaker, it is tempting to take the largest offer available. A better question is what your nursery needs to get through the next stretch and what the deposits can comfortably support in a slow month. For illustration, a garden center with a strong spring but thin late-summer sales might fund spring inventory only, rather than stacking inventory, payroll and a remodel into one request. Smaller, well-timed funding that you repay on schedule also gives you a cleaner track record for the next time you need capital. If you are unsure, tell us the use and we will show you how different amounts would look before you commit to anything.
Start with a soft credit pull and a 5-minute application. No tax returns are required, and sole proprietors can apply. Your offer shows the full repayment amount before you accept, so you can decide with the whole picture. Apply here.
FICO scores from 500 are considered. We look at the score alongside your deposit history and existing obligations.
We start with a soft credit pull, which does not affect your score.
Not automatically. We review your full file, and it helps to explain the history and what has changed since.
Clean, consistent deposits in one business account and a clear explanation of any dips help us understand your nursery.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
These honest steps can strengthen a nursery application with lower credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding