Spring stock, contractor house accounts and the odd store upgrade. Compare a revolving line with a lump-sum advance and pick what fits your season.
Explore OptionsHardware Store Funding
Seasonal orders and contractor accounts often fit a line of credit. A paint station or rental department build-out often fits an advance. 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 to apply and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We look at how your store's deposits hold up across seasons.
Your offer states the full repayment amount up front. No surprise costs after you sign.
The schedule is laid out in your offer so you can plan around slow months.
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 feel two pressures at once. Spring and fall bring heavy buying of lawn, garden, paint and seasonal goods that need to be on the shelf before customers show up. At the same time, many stores extend house accounts to local contractors who pay on their own schedule. Both stretch cash, and both affect whether a line of credit or a merchant cash advance is the better fit.
A line gives you a limit to draw from when you need it and pay down when sales come in. For a hardware store, that often looks like:
Because the need comes back every season, revolving access tends to be easier to manage. See our line of credit for hardware stores.
An advance is a single lump sum repaid from a share of future deposits. It is suited to a one-time purchase with a clear price tag: adding a paint mixing station, building out a rental department, putting in a key-cutting and rekey counter, or buying a forklift for the yard. Repayment follows your sales, which helps in stores where foot traffic swings by season.
Learn more about a merchant cash advance for hardware stores.
For illustration only: a store owner expects a heavy spring and wants to place early orders, plus replace an aging paint shaker. The early orders repeat every year, so a line covers them, and the owner pays the line down as spring sales come in. The paint equipment is a one-time cost with a known quote, so a smaller advance or equipment financing covers it. Whether both make sense depends on deposits and existing obligations, which we review before any offer.
About three months of business bank statements and a 5-minute application with a soft credit pull to start. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept. Apply when you are ready.
Yes. Many stores use a line to cover the gap while contractor house accounts are outstanding, then pay it down as those accounts settle.
It can be for a single big pre-season buy. If you reorder through the season, a line usually fits better.
Independent and co-op affiliated stores can apply. We review the business's own bank statements and deposit history.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
No. About three months of business bank statements and a short application are what we need to start.
Example uses for illustration only.
A few steps help a hardware store's numbers read clearly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding