Pay seasonal crews and year-round growers on time while you wait for spring sales. $25,000 to $5,000,000 sized to your deposits.
Cover PayrollNursery Payroll Funding
Labor costs climb weeks before the first big weekend. We help established nurseries and garden centers cover payroll through the ramp-up, with every repayment number shown before you accept.
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.
Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered and a soft pull to start. We weigh the steady deposits your nursery brings in.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan it against peak months.
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 bring on extra hands weeks before the first warm weekend. Potting, unloading trucks of shrubs and perennials, watering, setting up displays and training cashiers all happen while the register is still quiet. By the time customers flood in, you have already carried several payrolls on winter deposits.
Payroll funding for nurseries and garden centers bridges that stretch so your crew gets paid on time and your best seasonal workers come back next year.
Wholesale growers face a version of this too: labor costs pile up months before plants are sold to retailers and landscapers.
For a predictable seasonal gap, working capital sized to the shortfall is a common choice. If you need to cover payroll on and off throughout the year, a business line of credit lets you draw only what each pay period needs. Some garden centers with heavy card sales consider a merchant cash advance, where repayment ties to sales volume. We will explain each, and every offer shows the full repayment amount and schedule before you accept.
Start with our short application. We begin with a soft credit pull and review 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.
We are built for established nurseries and garden centers with steady deposits. If your winter deposits are thin, that is normal for the trade, and we look at the full picture of your recent months.
Try to apply before the payroll crunch, not on the Thursday before payday. Giving yourself a little lead time lets you compare offers calmly and set the repayment schedule against the busy weeks ahead. Our nursery cash flow guide walks through planning a full year.
Yes. Payroll is a common use, and you can also spread funds across related costs like payroll taxes, training or uniforms.
Seasonal dips are expected in this industry. We review your recent bank statements as a whole rather than judging a single slow month in isolation.
Funding ranges from $25,000 to $5,000,000 and is based mainly on deposits and existing obligations.
We start with a soft credit pull, which does not affect your score.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
Both can apply. Wholesale growers often carry labor for months before plants ship to retailers and landscapers, and steady deposits over time are what we review most closely.
Example uses for illustration only.
These steps can make a payroll request cleaner and easier to repay.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding