Keep your installers and cover showroom overhead through the quiet weeks. Apply in 5 minutes with a soft credit pull to start.
Plan for the DipFlooring Slow-Season Funding
Quiet months are part of the flooring business. Working capital helps you keep skilled installers and get ready for the next busy stretch.
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.
A 5-minute application with about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We look at deposits and current obligations, including seasonal swings.
See the full repayment amount in your offer before accepting. No surprise costs after you sign.
The repayment schedule is set 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.
Demand for flooring work tends to move in waves. Projects bunch up around certain times of year, and then the phone gets quiet. Holidays slow commercial schedules, bad weather pushes back new construction, and some clients simply put projects on hold. Your showroom rent, truck payments, insurance, and the installers you worked hard to keep do not take a break.
Slow-season funding helps you carry fixed costs through the dip so you come out the other side with your crew and your momentum intact.
Good installers are hard to find. Letting them go in a slow month can mean losing them to a competitor before the busy season returns.
Showroom lease, vehicle payments, insurance, and software keep billing whether or not jobs are on the board.
Some owners buy materials when suppliers run promotions, refresh showroom displays, or spend on marketing so the calendar fills when demand picks up.
For illustration: a flooring store with a small install team usually sees its slowest weeks after the holidays. Last year, the owner cut installer hours and lost one of their most experienced people. This year, they look back at their statements, see the same dip coming, and apply for working capital in the fall. The funds cover rent and installer pay through the quiet weeks and a showroom refresh before spring. Repayment follows the schedule laid out in the offer.
If you know roughly how big the gap will be, working capital for flooring is simple. For several slow months where you want to draw as needed, a line of credit may be a better fit. Compare options in line of credit vs. merchant cash advance for flooring, or read the flooring cash flow guide for seasonal planning tips.
We review about three months of business bank statements and existing obligations; a seasonal dip is weighed in context. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. The application takes about five minutes with a soft credit pull to start, and qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount before you accept. See how flooring businesses qualify or apply now.
Many owners apply before the slow stretch begins, while deposits reflect a busier period. You can apply at any time, though.
Funders weigh your overall deposit pattern and existing obligations. One quiet month is part of the picture, not the whole story.
Yes. Working capital can go toward materials, payroll, rent, marketing, and other business costs.
About three months of business bank statements and a short application. No tax returns are required.
Yes. Sole proprietors can apply, and the amount is sized to your business deposits.
Example uses for illustration only.
Planning ahead makes the slow season easier to fund and manage.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding