Merchant Fund Express
(305) 384-8391Apply

Emergency Funding for Furniture Stores

Storm damage, a lost shipment or a break-in can drain cash fast. Apply in 5 minutes. Qualified stores can be funded in as little as 24 hours.

Get Help Now

Furniture Store Emergency Capital

Respond today, sort out the long-term fix after

When something breaks or goes missing, waiting weeks for a bank is not an option. Funding from $25,000 to $5,000,000 helps you keep the doors open.

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.

Emergency capital without the runaround

Speed and a short document list

A 5-minute application, about three months of statements, and funding in as little as 24 hours for qualified stores.

Flexible on credit

FICO scores of 500 and up are considered. We start with a soft pull, so checking does not hurt your score.

No surprises on cost

Your offer shows the full repayment amount before you accept. Nothing unexpected shows up after you sign.

A clear repayment plan

Your repayment schedule is laid out in the offer up front, even when you are moving quickly.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Emergencies do not check your calendar

A storm damages the warehouse roof and water reaches the upholstery. A container shipment is delayed and customers who already paid want answers. A break-in takes out the register area and the security system. A key supplier changes terms overnight. Each of these turns into a cash problem fast, and it usually hits when your account is at its thinnest.

Emergency funding gives a furniture store the room to respond now and sort out the longer fix after.

Typical emergencies in furniture retail

First steps when something goes wrong

  1. Secure the store and document the damage with photos.
  2. Contact your insurer and get the claim process moving.
  3. Figure out what you need to keep operating this week: payroll, replacement stock, repairs.
  4. Request only what you need to bridge the gap, plus a sensible cushion.

Insurance can take time to pay out. Funding can keep your doors open and your customers served in the meantime. Keep customers who are waiting on orders informed, too; a short update goes a long way toward keeping the sale.

How fast we can move

Our application takes about 5 minutes. We need roughly three months of business bank statements and no tax returns. We begin with a soft credit pull, and FICO scores of 500 and up are considered. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Funding ranges from $25,000 to $5,000,000.

Even in a hurry, you see the full repayment amount and schedule in your offer before you accept. Apply now.

Options to consider

A merchant cash advance is repaid from future sales, which can ease pressure while the store recovers. Working capital gives you a lump sum for a known cost. If credit has taken a hit lately, see our page on bad credit options for furniture stores.

Frequently Asked Questions

How quickly can I get emergency funding?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

Can I apply while an insurance claim is pending?

Yes. Many owners use funding to bridge the time until a claim is paid.

What documents do I need in an emergency?

About three months of business bank statements and a 5-minute application. Tax returns are not required.

Will a recent bad month count against me?

We look at your deposit history as a whole. A rough month is part of the picture, not the whole picture.

What is the smallest amount I can request?

Funding starts at $25,000 and goes up to $5,000,000.

Can I use the money for more than the emergency itself?

Yes. Owners often cover the repair plus the knock-on costs, like replacement stock, extra delivery runs or overtime for staff who are helping clean up. Tell us the full picture when you apply.

Roof repair $35,000.00
Replace stock $42,000.00
Security system $11,000.00
Payroll bridge $27,000.00

Example uses for illustration only.

How to improve your chances

Even in a rush, a few steps help your request move faster.

  • Photograph and document the damage right away
  • Gather your last three months of bank statements
  • Get repair or replacement quotes as soon as possible
  • Request what you need to bridge the gap, not more

In an emergency: us vs. a bank

Merchant Fund Express
Traditional bank loans
Decision speed
Decisions move fast
Committee reviews take time
Funding
As little as 24 hours if qualified
Often weeks
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Recent dips can stall approval
Credit check
Soft pull to start
Hard inquiry is typical

Get your store back on its feet

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

Apply for Funding
Apply NowCall