Pay growers and fill benches before the first warm weekend. Established nurseries and garden centers can get $25,000 to $5,000,000.
Check My OptionsNursery & Garden Center Cash Flow
Plants, soil and hardgoods have to be paid for long before spring sales arrive. Apply in about five minutes with three months of statements.
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.
Three months of bank statements and no tax returns. Qualified businesses can be funded in as little as 24 hours.
Seasonal deposits and steady history matter alongside your credit.
Your offer lists the full repayment amount before you accept, with no surprise costs after you sign.
See the full repayment schedule before you sign and plan it around spring and fall sales.
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.
For many garden centers, spring is the whole game. Customers flood in once the weather turns, and a large share of annual sales lands in a short window. The catch is that perennials, shrubs, trees, soil, mulch and hardgoods have to be ordered and paid for well before that first warm weekend. Nurseries and garden centers cash flow comes down to financing the build-up and surviving the long tail afterward.
Build revenue outside spring: fall mums and bulbs, holiday trees and wreaths, landscaping services, workshops and houseplants all help. Track sell-through by plant category so next year's grower orders are sharper. Mark down tired stock early rather than nursing it all summer.
For the spring build itself, inventory funding for nurseries is the most direct fit. For winter overhead, see slow season funding.
A late frost or a wet spring can delay the rush by weeks, while bills for grower orders arrive on schedule. Build some slack into your spring plan, stagger deliveries when growers allow it, and keep a short list of items you can mark down quickly if the season starts late.
We work with established nurseries and garden centers that show steady deposits. Funding ranges from $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and do not ask for tax returns. You can apply in about five minutes with a soft credit pull to start.
Because your deposits swing with the seasons, tell us where you are in the year when you apply. Your offer shows the full repayment amount and schedule before you accept, and qualified businesses can be funded in as little as 24 hours. Apply here.
Yes. Buying inventory ahead of the season is one of the most common uses. You will see the repayment schedule in the offer, so you can line it up with spring sales.
Yes. Seasonal patterns are expected in this business. We look at about three months of statements and the overall consistency of your deposits.
A business line of credit works well if you draw at different times through the year. A lump sum suits one large spring order.
Equipment financing is built for purchases like trucks, skid steers, irrigation and greenhouse structures.
No. We start with a soft credit pull.
Example uses for illustration only.
These habits help a nursery's cash flow and its funding profile.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding