A lump sum based on your store's card sales and deposits. Apply in about 5 minutes with roughly three months of bank statements.
See My AdvanceMerchant Cash Advance
Hardware stores live on seasonal timing. A merchant cash advance can put inventory on the floor before demand shows up at the register.
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 stores.
FICO 500+ considered. We start with a soft pull and weigh your card and deposit history.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
How and when repayment happens is spelled out in your offer before you agree.
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 run a steady stream of small card transactions: a box of screws, a gallon of paint, a replacement faucet cartridge, a set of keys. Add in contractor purchases and the spring rush for lawn and garden supplies, and the card terminal tells a clear story about how the store is doing.
A merchant cash advance is built around that story. You receive a lump sum up front, and repayment comes from your future sales. Because the advance is tied to sales rather than a fixed calendar, it tends to fit stores where card volume is consistent.
We look at about three months of business bank statements to see your deposit pattern, your card settlement rhythm and any obligations already coming out of the account. No tax returns are required. We start with a soft credit pull, FICO 500+ is considered, and sole proprietors can apply.
The amount depends mainly on your deposits and existing obligations. Our overall range is $25,000 to $5,000,000.
A merchant cash advance suits a short-term, specific need with a clear payoff, such as inventory that you expect to sell through in the coming season. It is less suited to covering an ongoing shortfall. If your needs are recurring and uneven, a business line of credit for hardware stores may fit better. Our comparison of line of credit vs. merchant cash advance goes through the differences. For a key machine, paint mixer or forklift, look at equipment financing.
Every offer we present shows the full repayment amount and how repayment works before you accept. Compare that with your slowest months, typically late fall into winter for many stores, not just the spring peak. If the numbers feel tight in January, ask for less. When you're ready, start the 5-minute application.
Card volume helps with a merchant cash advance, but we review your total deposits. If much of your revenue comes from contractor invoices, other products may fit better.
Funding can arrive in as little as 24 hours for qualified businesses.
We look at about three months of statements and understand hardware stores are seasonal. The pattern matters more than one slow week.
We start with a soft credit pull, which doesn't affect your score. FICO 500+ is considered.
Yes. Sole proprietors can apply as long as the business has a business bank account with steady deposits.
Example uses for illustration only.
A few practical steps make a hardware store's advance review smoother.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding