Vendor orders, freight and holiday sale stock all come due before the floor sells through. Compare a revolving line with a lump-sum advance.
Check My OptionsFurniture Store Funding
Rolling vendor orders often suit a line of credit. One big stocking push often suits an advance. Share your plan and we will show you what fits.
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.
Five minutes and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your store's sales history counts for a lot.
The full repayment amount is in your offer before you accept. No surprise costs once you sign.
Your schedule is in the offer, so you can plan it against your sales calendar.
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.
Furniture is expensive to stock and slow to turn. You commit to a container or a vendor order months ahead, pay freight to get it into the warehouse, and then wait for it to sell through. Big sales weekends around holidays can clear a lot of floor space at once, but the money has to go out long before that. That is the backdrop for choosing between a line of credit and a merchant cash advance.
With a line, you have a limit you can tap as orders come due. Draw for a vendor deposit, repay as those pieces sell, then draw again for the next order. It is a natural fit for stores that reorder regularly and want to carry a balance only when stock is actually in transit or on the floor.
We cover this in more depth on our line of credit for furniture stores page.
An advance gives you the full amount at once and is repaid from a share of your future sales. Because furniture stores take a lot of card payments, repayment tends to track how busy the showroom is. Owners usually reach for an advance when the need is a single, sizable item:
More on a merchant cash advance for furniture stores.
| Line of credit | Merchant cash advance | |
|---|---|---|
| Access | Draw over time | Lump sum up front |
| Good for | Rolling vendor orders | One big stocking push |
| Repayment source | Based on your draws | Share of future deposits |
Whichever you choose, your offer shows the total repayment amount and schedule before you agree to anything.
We look at about three months of business bank statements to see your sales pattern and existing obligations. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. The application takes about 5 minutes and begins with a soft credit pull. Apply now and we will show you what your store's deposits support.
Yes. Inventory is one of the most common uses. A line works well for repeat orders, while an advance can cover one large order at once.
Not on its own. We look at your deposits over about three months and how they move, along with what you already owe.
From a share of your future sales, collected from your deposits. Your offer shows the full repayment amount and how collection works before you accept.
Decisions move fast and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few habits make a furniture store's numbers easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding