Stock lumber, paint, tools and seasonal goods before demand hits. 5-minute application, bank statements only, no tax returns.
Fund My InventoryHardware Store Inventory Funding
Vendor deals and early-buy windows do not wait. We review your deposits and can fund qualified hardware stores 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.
Apply in about 5 minutes with roughly three months of bank statements. No tax returns needed.
FICO 500+ is considered. We put weight on your store's deposit history.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out up front, so you can plan it against sell-through.
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 hardware store can carry tens of thousands of SKUs, from single screws to riding mowers. Customers expect you to have the exact part they need today, which means a lot of money sits on shelves at any given time. Add vendor minimums, early-buy programs and price swings on lumber and building materials, and inventory can tie up cash fast.
When a supplier offers a good deal on a truckload or a co-op booking window opens, having cash ready can be the difference between earning margin and missing it.
We offer a few ways to buy stock without emptying your operating account:
Funding stock works best on items that turn. Before you place a big order, look at last year's sell-through for the same category. Fast movers like fasteners, paint sundries, filters and seasonal staples usually justify the cost. Slow specialty items can sit and tie up the funds you just brought in.
A store that sees spring paint and garden sales climb each year might use funding in late winter to book those goods early, then repay as the busy months bring higher deposits. Your actual amount depends mainly on your deposits and existing obligations.
The application takes about 5 minutes and starts with a soft credit pull. We need about three months of business bank statements. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept. Start here.
Anything your store sells: lumber, building materials, tools, hardware, paint, plumbing and electrical supplies, lawn and garden goods and seasonal items.
Funding ranges from $25,000 to $5,000,000. The amount is based mainly on your deposits and existing obligations.
Yes. Many owners use working capital to place early orders when terms are favorable.
No. Our review relies on about three months of business bank statements. Your own inventory reports are still useful for deciding how much to request.
Be careful. Funding works best on stock that sells through in a reasonable time. Specialty items that sit on the shelf for long periods tie up cash while repayment continues, so many owners keep those orders small and lean on fast movers instead.
We begin with a soft credit pull, so you can see your options first.
Example uses for illustration only.
Better inventory habits make funded stock pay off faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding