Cover rent, payroll and preseason orders through the quiet months. Apply in 5 minutes with bank statements, no tax returns.
Get Seasonal FundingHardware Store Seasonal Funding
Seasonal dips are normal in hardware retail. We review your deposit pattern and can fund qualified stores in as little as 24 hours, so preseason orders go out on time.
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 three months of statements and a 5-minute application. No tax returns, no long underwriting packet.
FICO 500+ is considered. Your deposit history across busy and quiet weeks matters too.
See the full repayment amount in your offer before you accept. No surprise costs after you sign.
The schedule is laid out in your offer, so you can match it to the months your register picks up.
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.
Most hardware stores live by the weather. Spring brings lawn and garden, paint and deck projects. Summer keeps contractors busy. Fall has its own rush for heating, weatherproofing and snow gear in colder regions. Then there are stretches where foot traffic thins out and the register slows, but rent, utilities, insurance and payroll keep coming.
The quiet weeks are also when you need to place early orders for next season. Waiting until the rush starts often means thinner selection and less room to negotiate.
Slow-season funding gives you working cash to cover fixed costs and place those preseason orders without draining your reserve. Options we offer include:
If you want to compare structures, read line of credit vs. merchant cash advance for hardware stores.
We are used to statements that rise and fall. We look at about three months of business bank statements and the pattern of deposits across them, along with obligations already on the account. FICO scores from 500 are considered. If your last three months happen to be your slowest, tell us about it in the application so the picture is complete.
The application takes about 5 minutes, starts with a soft credit pull and needs no tax returns. Qualified businesses can be funded in as little as 24 hours.
Your offer shows the full repayment amount and the schedule up front, before you accept. That lets you line repayment up against the months you expect to be busy again. For more planning ideas, our hardware store cash flow guide covers seasonal budgeting. When you are ready, apply online.
Yes. Many owners apply in the off-season because that is when cash runs short. We look at the deposit pattern, not just one strong or weak week.
Rent, utilities, payroll, insurance and early orders for the next busy season are all common uses.
It depends on your store. A line lets you draw only what you need, while a lump sum gives you a set amount at once. Compare both in your offers before deciding.
Not necessarily. Work out your fixed costs for the quiet stretch plus the preseason orders you plan to place, then request close to that figure. Borrowing only what the slow months actually need keeps repayment lighter once the busy season returns and sales pick back up.
Some owners use slow-season funding to hold onto trained employees instead of rehiring every spring. Weigh the cost of the funding against the time and money it takes to train new people.
Funding runs from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
Example uses for illustration only.
These habits help seasonal stores get stronger offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding