Material deposits, installer pay and slow builder checks squeeze flooring shops. Here is how to plan for it, and how we fund the gaps.
See My OptionsFlooring Cash Flow
Funding from $25,000 to $5,000,000 for established flooring businesses with steady deposits. About three months of bank statements, no tax returns.
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, about three months of business bank statements, and no tax returns. Qualified shops can be funded in as little as 24 hours.
FICO 500+ is considered, and we start with a soft credit pull. Your deposit history carries real weight.
Your offer lists the full repayment amount up front. No surprise costs after you sign.
The schedule is laid out in the offer before you commit, so you can line it up with your job calendar.
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.
Flooring contractors rarely run out of work. They run out of cash between the job they quoted and the check that closes it out. You order hardwood, LVP or tile weeks ahead, pay the distributor on delivery or on short terms, then put a crew on site for days before the final payment lands. On builder and general contractor work, that final payment can trail completion by another month.
Stack three or four jobs on top of each other and the bank balance can look thin even in a strong quarter. That is a timing problem, not a profitability problem, and it is worth treating it that way.
Write down the typical number of days for each. Most shops find one gap does most of the damage. Fix that one first, usually by tightening deposits on retail jobs and getting progress terms in writing on larger commercial work.
If the gaps are predictable and the work is profitable, funding can let you take on a larger job without starving the others. Merchant Fund Express offers working capital for flooring businesses as a lump sum, a business line of credit for repeat gaps, and equipment financing for sanders, saws and vans. Funding runs from $25,000 to $5,000,000, based mainly on your deposits.
We review about three months of business bank statements, consider FICO 500+, start with a soft credit pull and do not require tax returns. The 5-minute application is the starting point.
It can be, if the margin on the job comfortably covers the cost of the funding. Run the numbers on the job before you accept any offer, and use the full repayment amount shown in the offer to do it.
We look at your bank statements across about three months and try to understand the pattern, including slower stretches. Steady deposits over time matter more than one big month.
Yes. Sole proprietors can apply, along with LLCs and corporations.
Qualified businesses can be funded in as little as 24 hours after approval and signing. The application itself takes about 5 minutes.
We start with a soft credit pull, so looking at an offer does not begin with a hard inquiry.
Example uses for illustration only.
A few changes can make your flooring business easier to fund and easier to run.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding