Draw for spring stock, seasonal labor or a greenhouse repair, repay as sales come in, and draw again. Built for established nurseries with steady deposits.
Check My LineBusiness Line of Credit
Your busiest months need cash before the customers arrive. A revolving line gives your nursery access to funds when the order is due and rebuilds as you repay.
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.
Apply online with about three months of business bank statements. No tax returns, and decisions move fast so you can place your spring orders on time.
FICO scores from 500 are considered. We put real weight on your deposit pattern across the busy and slow parts of your year.
Your offer shows the full repayment amount for a draw before you accept, so there are no surprise costs after you sign.
Each draw comes with a repayment schedule laid out in the offer up front, so you can map it against your seasonal sales.
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 nursery does not spend money evenly. You buy liners, bulbs, soil and hardgoods weeks before the first warm weekend, you staff up for the rush, and then sales taper through late summer before a smaller fall push. A lump sum can sit idle for months. A business line of credit lets you draw what you need when the order is due, repay as spring deposits come in, and keep the remaining limit ready for the next push.
We built our line of credit for established nurseries and garden centers with steady deposits. You only use the part you draw, and the available balance rebuilds as you repay.
If your bigger need is a one-time inventory buy, our nursery inventory funding page walks through that case.
The application takes about 5 minutes and starts with a soft credit pull. We review about three months of business bank statements to understand your deposit pattern, including the quiet weeks. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. Lines and other funding range from $25,000 to $5,000,000, and the amount depends mainly on your deposits and existing obligations.
If you know the exact amount and the date you need it, a working capital advance or a merchant cash advance may be simpler. If your needs come in waves, a line usually fits better. Our line of credit vs. MCA comparison for nurseries lays out the differences. When you are ready, start the application.
Yes. Once your line is open you can draw whenever you need, including slower months. Your offer lays out the repayment schedule for each draw so you can plan around your quieter deposits.
No. We review about three months of business bank statements instead, along with a soft credit pull to start.
It is a common use. Many garden centers draw before the season, repay as spring sales come in, and keep the rebuilt limit for fall stock.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
Yes. Sole proprietors can apply, and we look at the business bank statements the same way we would for any other entity.
Example uses for illustration only.
A few steps can make your nursery's line application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding