Heat the greenhouse, keep growers on payroll and lock in spring orders while sales are quiet. Funding sized to your deposits.
Bridge the Off-SeasonOff-Season Funding
Winter and late summer can squeeze even well-run garden centers. We help established nurseries cover fixed costs and pre-orders through the lull, with clear repayment terms in every offer.
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.
Five minutes to apply plus about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. We look hard at your deposit history across seasons.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
The repayment schedule is in the offer up front, so you can plan it around slow and busy weeks.
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.
After the last fall mums and holiday greens sell, foot traffic at most garden centers drops off. The bills do not. Greenhouses need heat. Year-round staff still need pay. Rent, insurance and utilities keep coming, and the biggest spring pre-orders from growers often need deposits right in the middle of winter.
Many nurseries also feel a second lull in the hottest part of summer, when planting slows and customers wait for fall. Slow-season funding for nurseries and garden centers smooths both dips so you reach the next busy stretch with stocked benches and a full crew.
Uneven deposits are normal for this trade. We review about three months of business bank statements and look at them in context, along with existing obligations. A December with half the sales of May is not surprising to us. What helps is a consistent record of deposits flowing into a business account over time.
If the off-season is a yearly pattern, a business line of credit can be set up once and drawn on each winter. Revenue-based financing is another option some owners choose because repayment follows sales.
Funding runs from $25,000 to $5,000,000. The 5-minute application starts with a soft credit pull; no tax returns required. FICO 500+ considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Every offer shows the full repayment amount and the repayment schedule before you accept. Take a close look at how payments line up with the slow weeks still ahead, not just the busy ones you expect.
Owners who come through winter in good shape usually budget it on purpose. List fixed monthly costs, mark when grower deposits are due, and set a target for what the business needs on hand by late February. Our nursery cash flow guide has a simple worksheet approach.
Yes. Seasonal swings are expected for nurseries and garden centers, and we review recent statements in context.
Yes. Locking in plant and hardgoods orders during the slow months is one of the most common uses.
No tax returns are required. We review about three months of business bank statements to start.
We provide $25,000 to $5,000,000, based mainly on deposits and existing obligations.
FICO 500+ is considered, and we start with a soft credit pull.
Applying in the fall, while recent statements still show strong summer and autumn deposits, gives you more room to plan. That said, you can apply whenever the need comes up.
Example uses for illustration only.
Small moves during the busy season make the slow season easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding