Add a rental counter, garden center, pro desk or second location. Apply in 5 minutes with bank statements, no tax returns.
Fund My ExpansionHardware Store Expansion
We size funding to the deposits your store runs today, not guesses about tomorrow. Qualified businesses can be funded in as little 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.
A 5-minute application with about three months of statements. No tax returns or business plan required.
FICO 500+ is considered. Your store's steady deposits are central to the review.
Your offer shows the total repayment amount before you accept. No surprise costs after signing.
The schedule is in your offer, so you can test it against your current cash flow.
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.
Growth for an independent hardware store does not always mean a second storefront. Owners expand by adding a tool and equipment rental department, building out a garden center, opening a pro desk for contractors, adding a paint department, putting another truck on the road for deliveries or taking over the empty unit next door. Each of these needs cash before it earns any back: buildout, fixtures, opening inventory, new hires and signage. Timing matters too, since opening a garden center just before spring gives it the best start.
Different expansion projects fit different funding types:
| Project | Product to consider |
|---|---|
| Rental fleet or delivery truck | Equipment financing |
| Opening inventory for a new department | Working capital |
| Buildout spread over several months | Business line of credit |
| Growth tied to rising sales | Revenue-based financing |
You can read more on revenue-based financing for hardware stores and equipment financing for hardware stores.
Expansion funding from us ranges from $25,000 to $5,000,000. How much you receive depends mainly on your current deposits and existing obligations, not on projections for the new location. That is a useful discipline: if the current store's cash flow can comfortably handle the repayment, the expansion has room to ramp up without pressure.
For illustration: an owner adding a rental counter might fund the first set of rental equipment plus a few weeks of staff wages, then let rental revenue build before taking on anything else.
Our application takes about 5 minutes and begins with a soft credit pull. Send roughly three months of business bank statements. No tax returns or business plan are required. FICO scores from 500 are considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours, and your offer shows the full repayment amount and schedule before you accept. Apply for expansion funding.
No. We review your current bank statements and existing obligations. A plan is still smart for your own decision-making.
Yes. Equipment financing or working capital can help you stock rental tools and equipment and cover setup costs.
Funding can go toward a second location's buildout, fixtures, inventory and staffing. The amount depends on your existing store's deposits and obligations.
Often. Adding one department at a time lets you see what works before committing more cash, and keeps each funding request sized to what your current deposits can support.
Opening inventory, fixtures, signage, extra payroll while the new space ramps up, insurance and a cushion for slower early weeks. Many owners underestimate how long a new department takes to pay its own way, so a realistic budget makes the funding request easier to size and repay.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Stronger stores make stronger expansion candidates.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding