Fronting material and waiting on final invoices? Compare a revolving line with a lump-sum advance and see which fits how your jobs actually pay.
Compare My OptionsFlooring Funding Comparison
Recurring material orders point toward a line of credit. One big job or bulk buy often points toward an advance. We help you sort out which fits your deposits.
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 and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We weigh your deposits and job flow alongside your score.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
Your schedule is laid out in the offer, so you know how it fits between job payments.
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.
Flooring businesses run into cash gaps in a predictable way. You order hardwood, LVP or tile for a job, pay the distributor up front, put a crew on site for a week, and then wait on the general contractor or homeowner to pay the final invoice. A line of credit and a merchant cash advance can both cover that gap, but they work very differently once the money is in your account.
A business line of credit gives you a limit you draw against when you need it. A merchant cash advance gives you one lump sum up front in exchange for a share of future sales, repaid from your deposits. Neither is better across the board. The right choice depends on how your jobs flow.
A line works well when your need repeats. If you are fronting material on three or four jobs a month and getting paid on each one a few weeks later, drawing what you need for each order and paying it back when the invoice clears keeps the cost tied to what you actually use.
See how we set up a line of credit for flooring businesses.
An advance makes more sense for a single, defined need where you want the full amount at once: stocking up on a discontinued product line at a closeout price, taking on a large multifamily job that needs a full material order, or adding a second install crew. Repayment comes out of your deposits, so it moves with the business instead of sitting as a fixed bill on the calendar.
More detail on our merchant cash advance for flooring contractors.
| Question | Line of credit | Merchant cash advance |
|---|---|---|
| How you receive funds | Draw as needed | One lump sum |
| Best for | Recurring material orders | One larger project or purchase |
| Repayment | Based on what you draw | From a share of deposits |
Your offer lays out the full repayment amount and schedule before you accept, so you can compare the two on real numbers rather than guesses.
We review about three months of business bank statements to see how steady your deposits are and what you already owe. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. The 5-minute application starts with a soft credit pull. When you are ready, start your application and we will show you which option your numbers support.
Yes. A line is often a good match for that pattern, because you can draw when material is due and repay once the contractor pays. We look at how consistent your deposits are over about three months.
No. An advance is a purchase of a portion of your future sales. You receive a lump sum and it is repaid from your deposits as you bring revenue in.
Both move quickly. Decisions are fast and funding can arrive in as little as 24 hours for qualified businesses, whichever product fits.
No. We work from about three months of business bank statements and a short application.
Yes. Tell us what the funds are for and we will show you what your deposits support. Every offer shows the full repayment amount before you sign.
Example uses for illustration only.
A few steps can make either option easier to qualify for and cheaper to carry.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding