Stock perennials, shrubs, soil and hardgoods before the rush. Funding sized to your deposits, with every repayment number shown up front.
Stock Up NowNursery Inventory Funding
Spring orders and grower deposits come due long before the register gets busy. We help established nurseries and garden centers buy the stock they need when suppliers want payment.
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, soft pull to start. Your deposit history across the seasons carries real weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in the offer up front so you can match it to your selling window.
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.
Customers walk into a garden center expecting full tables of annuals, rows of shrubs, pallets of mulch and a wall of pots. Stocking all of that happens weeks or months before the money comes back. Growers want deposits on spring orders in winter. Bagged goods and hardgoods suppliers often offer better pricing on early or larger orders. Live material also has a shelf life, so timing matters.
Inventory funding for nurseries and garden centers lets you buy what the season calls for instead of what is left in the account in February.
Inventory funding works best when you have a clear idea of what will sell and when. Look at last season's sell-through. Which varieties moved in the first three weekends, and which ended up on the clearance rack? Put more of the funding behind proven sellers and keep experimental stock modest.
Live goods carry more risk than hardgoods because unsold plants decline. Some owners split their order, buying hardgoods early and live material closer to the selling window.
A one-time spring buy often fits working capital. If you restock repeatedly through spring, summer and fall, a business line of credit lets you draw for each order. Garden centers with strong card sales sometimes look at revenue-based financing. Each offer shows the full repayment amount and the repayment schedule before you accept.
The application takes about 5 minutes and starts with a soft credit pull. We look at about three months of business bank statements; no tax returns required. FICO 500+ considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Funding is sized mainly to your deposits and existing obligations.
Yes. Annuals, perennials, shrubs and trees are all common purchases, along with soil, mulch and hardgoods.
Many owners apply in winter when grower deposits are due. Applying ahead of the order deadline gives you time to compare offers.
Our review is based mainly on bank statements. Having supplier quotes on hand helps you request the right amount.
Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
We start with a soft credit pull, which does not affect your score. FICO 500+ is considered.
Yes. Poinsettias, wreaths, cut trees and seasonal decor are all inventory, and some garden centers use a line of credit to cover both spring and holiday buys.
Example uses for illustration only.
A few steps help make inventory funding pay for itself.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding