Merchant Fund Express
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Expansion Funding for Flooring Companies

Add a crew, open a showroom or take on commercial jobs. Funding from $25,000 to $5,000,000 based on the deposits you already have.

Plan My Expansion

Flooring Business Expansion

Grow the shop without starving day-to-day cash

Expansion costs land before new revenue does. We fund flooring companies based on current deposits so the growth plan does not eat into payroll or material money.

As fast as
24 hours

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.

What flooring owners get with us

Fast and simple

5-minute application, about three months of statements, and no tax returns required.

Flexible on credit

FICO 500+ considered. A soft credit pull gets things started.

Full cost in writing

Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.

A schedule you can plan on

The repayment schedule is laid out in the offer up front, so you can map it against your growth plan.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Growth in flooring usually costs money before it makes money

Adding a second install crew means buying another van and tool set, carrying payroll while the new team ramps up, and floating material for more jobs at once. Opening a showroom means a lease deposit, displays and samples before the first walk-in customer. Moving into commercial work often means longer payment cycles. Each of these is a sound move for a busy shop, and each one strains cash before it pays back.

Expansion projects we see from flooring owners

Matching funding to the plan

A one-time build-out fits a lump sum of working capital. New vans, grinders or sanders may fit equipment financing. If you expect to spend in stages over the next few quarters, a line of credit lets you draw as each phase starts. Some owners combine two products, and we can talk through what makes sense for your deposits.

How we evaluate an expansion request

We focus on your current business, not projections. That means about three months of bank statements showing steady deposits, along with any existing obligations. No tax returns required. FICO scores of 500 and up are considered, and the application starts with a soft credit pull. Funding ranges from $25,000 to $5,000,000.

A practical check before you expand

Run the numbers on the slowest month you had last year, not the best. If the new crew or showroom still makes sense and the payment schedule in your offer fits that month, the plan is on firmer ground. Every offer shows the full repayment amount and schedule before you accept.

Signs you are ready to expand

Most flooring owners know the signs. You are turning down jobs or pushing start dates out several weeks. Your lead installer is running two sites at once. Builders and general contractors keep asking whether you can take more of their work. Showroom traffic is steady even in slower months. When demand is already there, expansion funding is about capacity, not hope. If you are still unsure whether demand will hold, start smaller with one crew or one new service line and expand again later.

Frequently Asked Questions

Can I use expansion funding to hire installers?

Yes. Many owners use it to cover wages, training and tools for a new crew until that crew is billing steadily.

Do I need a business plan?

No formal business plan is required. We look mainly at your recent bank statements and existing obligations.

Can I fund buying out my business partner?

Yes. Funding to buy a partner's share of the business is an allowed use.

How large can an expansion offer be?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations.

Can a sole proprietor apply?

Yes. Sole proprietors with steady business deposits can apply.

Second crew $90,000.00
Showroom build-out $120,000.00
Epoxy service line $55,000.00
Partner share $200,000.00

Example uses for illustration only.

How to improve your chances

Owners who prepare these items tend to get a clearer offer.

  • Price each part of the expansion in writing
  • Check the plan against your slowest month
  • Keep business and personal accounts separate
  • List all current advances and loans honestly

Expansion funding compared

Merchant Fund Express
Traditional bank loans
Basis for approval
Recent deposits
Projections and collateral
Documents
About 3 months of statements
Tax returns, plans, financials
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks to months
First credit check
Soft pull
Hard pull common

Take your flooring business to the next stage

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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