Merchant Fund Express
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Big Contract Funding for Nurseries

Fill that landscaper, builder or municipal order without draining the retail side. Funding sized to your deposits, with clear terms.

Fund the Order

Nursery Contract Funding

Fill the big order and keep the benches stocked

Commercial orders mean big costs long before payment. We help established nurseries and garden centers cover stock, labor and delivery so a slow-paying buyer does not squeeze the rest of the business.

As fast as
24 hours

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.

Why nurseries use us for contract work

Quick to apply, simple paperwork

Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered with a soft pull to start. Steady deposits carry real weight in our review.

No surprises after signing

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment you can line up

The repayment schedule is laid out up front so you can compare it with the buyer's payment terms.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

A large order changes the math

A commercial landscaper asks you to supply several hundred trees for a new development. A homebuilder wants plant packages for an entire subdivision. A city or school district awards you a planting contract. These are the orders nurseries hope for, and they usually require you to grow, buy, hold and deliver a large volume of material before the first payment arrives.

Funding for a big contract for nurseries and garden centers covers that upfront load so you can fill the order without shorting your retail benches or regular customers.

Where the money goes on a big order

Commercial buyers pay on their own clock

Developers, general contractors and public agencies often pay after delivery is verified and the invoice moves through approval. That can leave a long gap between your costs and your income. Before you take funding, check the payment terms in the contract and compare them to the repayment schedule in your offer. Every offer from us shows the full repayment amount and the schedule before you accept, so you can make that comparison clearly.

Note that we provide funding to your business based on your deposits; we do not run any public or government funding program.

Structures that fit contract work

Working capital sized to a single job is straightforward. If you supply landscapers and builders on a rolling basis, a business line of credit may fit better. Need another truck or loader to handle volume? Look at equipment financing.

Apply in about 5 minutes

Start the application with a soft credit pull. We review about three months of business bank statements; no tax returns required. FICO 500+ considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

Can I use contract funding to buy stock from other growers?

Yes. Many nurseries buy in material to fill quantities they cannot grow in time, and that is a common use.

Is the amount based on the contract value?

Mainly on your deposits and existing obligations. The contract helps you decide how much to request and plan repayment.

What if the developer pays late?

Review the repayment schedule in your offer against the contract's payment terms before accepting, and keep a cushion for delays.

Do you need tax returns?

No. We review about three months of business bank statements and start with a soft credit pull.

How soon can funds arrive?

Qualified businesses can be funded in as little as 24 hours, which helps when a delivery date is close.

Can a garden center without a wholesale side use this?

Yes. Retail garden centers that land commercial planting or design jobs can apply, as long as the business has steady deposits.

Bought-in trees $85,000.00
Digging crew $36,000.00
Delivery trucks $28,000.00
Holding yard setup $25,500.00

Example uses for illustration only.

How to improve your chances

Before you commit to a large order, a bit of prep protects your margins.

  • Confirm the buyer's payment terms in writing
  • Price in labor, freight and replacement risk
  • Keep retail stock levels steady during the job
  • Line up extra growers or crews before you commit

Contract funding with us versus a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms, meetings
Documents
About 3 months of statements
Returns, contract review
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours
Several weeks
Credit check to start
Soft pull
Hard pull

Take on the order that grows your business

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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