Draw for spring stock, contractor orders or a surprise repair. About three months of bank statements and a 5-minute application to start.
Check My LineBusiness Line of Credit
Garden season, contractor season, storm season. A line of credit lets you draw for each one without reapplying every time.
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.
Roughly three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered. We start with a soft pull and look at your deposit history.
Each offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front.
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.
Hardware store cash needs rarely come in a neat pattern. March brings the lawn and garden buy. June might bring a contractor who wants three pallets of decking on account. October means stocking furnace filters and snow blowers. In between, the water heater in the back room fails.
A business line of credit lets you draw what you need, when you need it, from an approved amount. You're not reapplying every time the season turns.
For stores that sell to both homeowners and contractors, a line can also smooth out the difference between when you pay suppliers and when house accounts pay you.
Draw to fill the garden center with soil, seed, hoses and grills before the first warm weekend. More on this at hardware store inventory funding.
Use the line to fill large contractor orders while their payments are pending. See big contract funding.
Stock heating and storm supplies, then lean on the line if traffic slows in January. See slow season funding.
About three months of business bank statements, a 5-minute application and a soft credit pull to start. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply. The size of the line depends mainly on your deposits and any existing obligations.
A line is easiest to manage when each draw has a clear purpose and a clear way back. Before you draw for a seasonal buy, estimate how quickly that stock will sell. If the product sits until next year, the payments will still come due. Keep part of the line unused for real surprises, like a broken key machine or an unexpected tax bill. Review the payment schedule against your slowest month, not your best.
For a single lump sum tied to card sales, look at a merchant cash advance for hardware stores, or read line of credit vs. merchant cash advance. For a forklift or paint-mixing station, equipment financing may fit better.
Your offer shows the full repayment amount and schedule before you accept. Apply now.
Funding ranges from $25,000 to $5,000,000. Your line depends mainly on deposits and existing obligations.
No. A line lets you draw what you need from the approved amount.
We start with a soft credit pull, which doesn't affect your score.
About three months of business bank statements. No tax returns required.
Funding can arrive in as little as 24 hours for qualified businesses.
Yes. Established hardware stores, home centers and lumber yards with steady deposits can apply. We review your statements the same way, focusing on deposit patterns and the obligations already coming out of the account.
Example uses for illustration only.
Small changes can strengthen a hardware store's line of credit review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding