Merchant Fund Express
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Revenue-Based Financing for Flooring

Funding sized from showroom sales, builder checks and job payments. A 5-minute application and about three months of statements, no tax returns.

See My Offer

Revenue-Based Financing

Every job payment helps size your offer

Card, check or ACH, the deposits that land in your business account tell the story. We use that full picture to build your offer.

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.

Revenue-based funding for flooring pros

Quick start, minimal paperwork

Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.

Deposits carry weight

FICO 500+ considered. We start with a soft pull and look at all your revenue.

Full repayment up front

Your offer lists the total repayment amount before you accept, with no surprise costs after you sign.

Predictable schedule

The repayment schedule is laid out in your offer so there are no surprises.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

Funding that reads your whole deposit picture

A flooring company's revenue comes from many directions: card payments at the showroom counter, checks from builders, ACH from property managers, progress payments from commercial GCs. Revenue-based financing looks at all of it. Funding is sized from the deposits moving through your business bank account, and repayment is tied to the revenue your business brings in.

That makes it a practical fit for installers who are not card-heavy, and for hybrid shops that sell and install.

What drives the size of an offer

We start with about three months of business bank statements and focus on:

  1. Average monthly deposits and how consistent they are
  2. Large one-time payments, and whether they repeat
  3. Financing already drawing from the account
  4. Account health, including any negative days

The amount depends mainly on deposits and existing obligations. No tax returns are required, FICO 500+ is considered, and the first step is a soft credit pull.

An example, for illustration

Picture a flooring contractor with steady monthly deposits from a mix of builder checks and showroom sales, and one equipment payment already coming out each month. A funder would look at what is left after that payment and size an offer the business can carry through a slower month. The contractor might use the funds to stock up on high-turn LVP before spring and add a second install crew. This is for illustration only; your offer depends on your own numbers.

Where it fits among your options

Revenue-based financing is one of several tools. A merchant cash advance centers on card sales. A business line of credit suits repeat draws. Equipment financing ties the cost to a machine. For growth plans, see flooring expansion funding and flooring inventory funding.

Before you accept

Every offer from us lists the full repayment amount and the payment schedule before you accept. Line it up against your seasonal pattern. Many flooring businesses slow down after the holidays and pick up again in spring, so check the payment against a January, not a busy October. When it fits, start the 5-minute application. Funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Does revenue-based financing count check and ACH payments?

Yes. It looks at deposits into your business bank account from all sources, not just card sales.

How is it repaid?

Repayment is tied to your revenue, and the exact schedule is laid out in your offer before you accept.

How much can a flooring company get?

Funding ranges from $25,000 to $5,000,000. Your amount depends mainly on deposits and existing obligations.

What if one big commercial payment inflated a month?

Funders look at the pattern across about three months and note large one-time deposits, so a single spike is read in context.

Can sole proprietors apply?

Yes. Sole proprietors can apply.

Spring LVP stock $29,000.00
Second crew $48,000.00
Showroom refresh $17,000.00
Builder job ramp $58,000.00

Example uses for illustration only.

How to improve your chances

These steps give funders a clearer view of your revenue.

  • Bank every job payment in the business account
  • Note large one-time deposits when you apply
  • Keep existing financing payments current
  • Avoid negative balance days between payouts

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Sizing basis
All business deposits
Collateral and tax returns
Documents
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Several weeks
Application
About 5 minutes
Lengthy underwriting

Fund the next season from your revenue

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

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