Funding sized from your store's deposits, with repayment linked to revenue so busy and slow seasons are reflected.
See My OfferRevenue-Based Financing
Hardware sales peak with project season and dip in the cold months. Revenue-based financing is built for that kind of rhythm.
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 stores.
FICO 500+ considered, with a soft pull to start. Deposits carry real weight.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
How repayment works is laid out in the offer up front, so there are no guesses later.
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.
Revenue-based financing ties repayment to how much your store brings in. When the spring project rush fills the parking lot, more goes back. When January goes quiet, the amount eases with it. For a business as seasonal as a hardware store, that link between sales and repayment is the main appeal.
The way repayment works for your specific offer is spelled out before you accept, including the full repayment amount.
Because this product follows revenue, your deposits drive most of the decision. We look at:
FICO 500+ is considered and we start with a soft credit pull. No tax returns are required.
If you are planning a bigger move, the hardware store expansion funding page covers that angle, and the slow season funding page covers the quiet months.
For illustration: a two-location store sees strong deposits from March through July, then a softer fall and a quiet stretch after the holidays. The owner wants to pre-buy spring inventory in February, when cash is lowest. Revenue-based financing lets them fund that purchase while repayment follows the sales the inventory produces. The exact structure depends on their deposits and any existing obligations, and it would be spelled out in writing before they accepted.
Every store is different, so the best way to see your number is to apply. It takes about five minutes, starts with a soft pull and does not commit you to anything. Read the qualification guide if you want to prepare first.
A business line of credit works well if you want to draw and redraw as needed. A merchant cash advance is built around card sales specifically. Revenue-based financing sits close to both, keyed to overall revenue. Funding ranges from $25,000 to $5,000,000. Start with the 5-minute application.
Repayment is tied to your revenue rather than a fixed bank schedule, and approval leans on your deposit history more than collateral or tax returns.
Seasonal swings are expected in hardware retail. We look at your full deposit pattern rather than one weak month.
The 5-minute application and about three months of business bank statements. No tax returns are required.
We start with a soft pull, which does not affect your score. FICO 500+ is considered.
Yes. Sole proprietors can apply.
Yes. Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
Example uses for illustration only.
These steps help a revenue-based offer reflect your store's real strength.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding