Draw for inventory, freight and delivery costs as they come up, instead of reapplying every season.
Check My LineBusiness Line of Credit
Spring floor changes, holiday sales, early containers. A line of credit gives your furniture store room to respond, based on about three months of bank statements.
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.
Five minutes to apply and about three months of statements. Funding in as little as 24 hours if qualified.
FICO 500+ considered. Your deposit history matters a lot.
Your offer shows the full repayment amount up front. 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 stores rarely need one big lump of cash. They need a bit before spring floor changes, more before a holiday sale, something when a delivery truck needs work, and a cushion when a container lands earlier than planned. A business line of credit gives you access you can draw on as those needs show up.
Instead of reapplying every time, you have a limit to work within, and you draw what the moment calls for.
The application takes about five minutes and begins with a soft credit pull. We review about three months of business bank statements and look at deposit consistency, seasonal swings and existing obligations. FICO 500+ is considered. No tax returns are required. Sole proprietors can apply.
The line amount depends mainly on your deposits and what is already coming out of the account. Funding can arrive in as little as 24 hours for qualified businesses.
A line works best for repeated, smaller needs. For a one-time push, like a big inventory buy before a sale, working capital for furniture stores or a merchant cash advance may be simpler. Our comparison of line of credit vs. MCA for furniture stores lays out the differences.
Picture a single-location store with a mix of in-stock and special-order sales. In March it draws a modest amount to cover freight on spring collections. In June it draws again for a delivery truck repair. In October it draws for holiday inventory and pays that down after the December rush. One line, three different needs, no new application each time.
A line is easy to lean on, which is the risk. Draw for things that turn into sales, like inventory and delivery capacity, and pay down when the busy season brings cash in. Your offer spells out the full repayment amount and schedule before you accept, so you know what each draw will cost to carry.
Working capital is usually a single amount. A line lets you draw as needs come up, within your limit.
Mainly your deposits and existing obligations, reviewed from about three months of business bank statements.
Yes. Vendor deposits on special orders are a common draw for furniture stores.
No. FICO 500+ is considered, alongside your store's deposits.
No. We start with a soft credit pull.
No tax returns are required.
Example uses for illustration only.
These steps help you get and use a line well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding