Cover payroll and material while you wait on jobs to pay. A 5-minute application, about three months of statements and no tax returns.
See My OptionsFlooring Working Capital
Flooring cash comes in waves. Working capital keeps crews paid and material moving while progress payments catch up.
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 three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts the review, and your deposits carry weight.
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 so you can plan around job payouts.
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.
You order material, pay the crew, finish the install, and then wait. Commercial general contractors may take weeks to release payment, and retainage can hold back part of the job even longer. Meanwhile, the next job needs material ordered this week.
Working capital is built for that gap. It is general-purpose funding you can use for whatever keeps the business moving: payroll, material, fuel, insurance or rent.
We keep it to the essentials:
No tax returns are required. FICO 500+ is considered, we start with a soft credit pull, and sole proprietors running their own install business can apply.
Flooring revenue rarely arrives in neat weekly amounts. A showroom may see steady card sales, while an install company might see three large checks one month and one the next. Funders who know the trade look at the pattern across several months rather than a single slow stretch. Clear notes on big upcoming jobs can help your file make sense.
For broader planning, read our flooring cash flow guide.
Ask for what the gap actually costs, not the biggest number on the table. Add up the material for the jobs you have signed, the payroll you need to carry until those jobs pay, and a modest cushion for fuel and surprises. The amount we can offer depends mainly on your deposits and the obligations already coming out of your account. For illustration, a crew of six waiting on one commercial payout might need enough to cover three or four weeks of payroll plus material for the next job, not a full year of expenses.
The application takes about 5 minutes, and funding can arrive in as little as 24 hours for qualified businesses. Your offer will list the full repayment amount and the payment schedule before you accept, so you can check it against your receivables before committing.
Yes. Working capital is general-purpose, so material, payroll, fuel and rent are all common uses.
Slow pay is common in the trade. Funders look at your deposit pattern over about three months and any obligations already in place.
No tax returns are required.
Funding ranges from $25,000 to $5,000,000. Your amount depends mainly on deposits and existing obligations.
We start with a soft credit pull, which does not affect your score. FICO 500+ is considered.
Example uses for illustration only.
A few habits help a flooring company show steady cash flow.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding