Stock benches, greenhouses and the hardgoods aisle before spring arrives. A lump sum based on your deposits, from $25,000, with a 5-minute application.
Get My OfferNursery & Garden Center Cash Advance
Nurseries buy in winter and sell in spring. An advance sized to your deposits lets you place pre-season orders without draining the account.
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. No tax returns. Funding in as little as 24 hours for qualified garden centers.
FICO 500+ considered. Steady sales deposits weigh heavily in our review.
Your offer shows the total you will repay before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan it against your selling 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.
Garden centers live and die by a few weekends. When the weather turns warm, customers show up for annuals, perennials, shrubs, mulch and soil all at once. To meet that rush, you have to order plants, pots and hardgoods months earlier, often while the lot is quiet and sales are thin. The money goes out long before it comes back.
A merchant cash advance gives you a lump sum based on your existing sales deposits. Many nurseries use it to buy inventory ahead of the season, so the benches are full the first sunny Saturday instead of half empty.
The process is short and built around your bank statements rather than a pile of tax paperwork:
Advances range from $25,000 to $5,000,000, sized mainly to deposits and existing obligations. FICO 500+ is considered.
Our page on inventory funding for nurseries goes deeper on stocking up, and slow season funding covers the quiet months.
Because so much of your year rides on a short window, timing matters. Applying in late winter means funds arrive while growers still have the best selection. Statements from the off season will show lower deposits, and funders take that into account when sizing an offer. Have a clear list of what you plan to buy so the amount you request matches the need.
If you expect repeated smaller needs through the year, a business line of credit for nurseries may suit you better. See line of credit vs. merchant cash advance for a side-by-side view. Sole proprietors can apply. Start your application.
Advances range from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
Funders look at the whole deposit pattern, including the slow months. Seasonality is expected in this industry, and a clear picture of it helps size the right offer.
No. About three months of business bank statements and the short application are usually enough.
Yes. Sole proprietors and family-owned nurseries can apply. We look for an established business with steady deposits.
Your offer shows the full repayment amount and schedule before you accept. No surprise costs after you sign.
Example uses for illustration only.
Garden centers can prepare a stronger application with these steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding