Stock up for spring or build a new greenhouse. Compare a credit line and a lump-sum advance for your nursery. FICO 500+ considered, no tax returns.
Compare OptionsNursery and Garden Center Funding
Plants and soil arrive months before the busy weekends. We lay out a line of credit and a merchant cash advance side by side so you can choose with confidence.
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 statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft credit pull to start so checking options will not hurt your score.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer up front, so you can match it to the season.
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.
Nurseries and garden centers place their biggest orders long before customers show up. Flats, trees, shrubs, soil, mulch and pottery all have to be paid for or reserved while the lot is still quiet. Then a few spring weekends carry a large share of the year.
A business line of credit and a merchant cash advance can both bridge that stretch. A line is a limit you draw from as needed and reuse after repaying. An advance is one lump sum repaid from future sales.
Garden center spending rarely comes in one shot. A line lets you draw as each delivery arrives:
You only carry what you have drawn. Read more on a business line of credit for nurseries and garden centers.
When the project is one clear purchase, an advance can be simpler. Common examples include a new greenhouse or hoop house, irrigation upgrades, a delivery truck for landscape customers, or expanding the retail floor. You get the full sum at once. See merchant cash advance for nurseries and garden centers, or compare equipment financing for garden centers for machinery.
If the need repeats with the seasons, a line usually lines up better. If it is a single build or purchase with a set price, an advance often fits. Whichever you choose, your offer shows the full repayment amount and the schedule before you accept, so you can weigh it against your spring sales plan.
We fund established nurseries and garden centers with steady deposits, from $25,000 to $5,000,000. The application takes 5 minutes and starts with a soft credit pull. We review about three months of business bank statements, consider FICO 500+, and do not require tax returns. Sole proprietors can apply. Qualified businesses can see funds in as little as 24 hours. Apply now.
A line of credit often fits because deliveries arrive in stages and you can draw for each. If you are placing one large order at once, an advance can also work.
Yes. We look at about three months of deposits and your existing obligations. Seasonal patterns are common for garden centers, and we review the full picture.
Yes. A greenhouse or hoop house is a typical one-time project that many owners fund with an advance or equipment financing.
No. Bank statements and a 5-minute application are the starting point, with a soft credit pull.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. A line is reusable after you repay, so it can cover fall mums, pumpkins and holiday greens as well as spring stock, within your limit.
Example uses for illustration only.
Garden centers that do these things tend to see smoother reviews.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding