Long lead times and holiday-heavy sales tie up cash in stock. Plan the calendar, then fund the stock build when it makes sense.
See What FitsFurniture Store Cash Flow
Funding from $25,000 for established furniture stores with steady deposits. About three months of bank statements, no tax returns required.
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.
About 5 minutes and three months of business bank statements. Qualified stores can be funded in as little as 24 hours.
FICO 500+ is considered, with a soft credit pull to start.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
The repayment schedule is in your offer before you accept, so you can plan around sales events.
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 sofa on your floor is cash sitting still. Furniture stores buy showroom pieces and backstock weeks or months before they sell, often with long manufacturer lead times and container shipments that arrive all at once. Then the big selling weekends cluster around holidays, tax refund season and moving season.
So the money goes out in big lumps and comes back in uneven waves. Managing furniture stores cash flow means planning those lumps against the waves you expect.
Pull a simple report: which categories sell through quickly and which sit. Mattresses and best-selling sectionals often move faster than case goods or specialty pieces. Slow inventory is the quietest drain on a furniture store, because it does not show up as an expense. It shows up as a thin bank balance.
Work backward from your big sales events. When does stock need to land? When does the supplier need payment? When do the deposits from those sales actually hit the account? Write those dates down. Many stores find they are paying for holiday inventory well before holiday sales arrive.
Our furniture store inventory funding page covers that pre-season stock build in more detail.
Delivery trucks, fuel, warehouse staff and extra weekend sales help all scale up before revenue does. Keep a reserve for truck repairs, and staff up based on confirmed promotions rather than hopes. If the delivery fleet needs replacing, equipment financing for furniture stores can spread that cost.
For illustration: a store places a large holiday order that has to be paid when it ships, about two months before the November sale. Deposits from that sale arrive over the following weeks, partly through third-party consumer financing that settles later. For roughly three months, the store is carrying that stock on its own cash. Seeing that window on paper makes it easier to decide how much to order and whether to fund part of it.
Merchant Fund Express offers working capital for furniture stores, lines of credit and merchant cash advances from $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and start with a soft credit pull. No tax returns. Apply in about 5 minutes.
Many stores use working capital or a line of credit for pre-season stock. The amount depends mainly on your deposits and existing obligations.
Deposits that land in your business bank account show up in your statements, and we look at that full picture.
FICO 500+ is considered. We start with a soft credit pull.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
Yes. The full repayment amount and schedule are in the offer before you accept.
Example uses for illustration only.
A few habits make a furniture store's cash steadier and its file stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding