Cover vendor deposits, freight and payroll while your inventory moves from container to showroom floor.
Apply in MinutesWorking Capital
Furniture stores pay for inventory long before customers pay for it. We help bridge that gap using about three months of bank statements, with no tax returns required.
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 and about three months of statements. Funding in as little as 24 hours if qualified.
We weigh your store's deposits alongside your credit.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
The payment schedule is laid out in your offer up front.
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.
Furniture retail has a cash timing problem baked in. You place orders with manufacturers months ahead, pay deposits or freight up front, then wait for containers, uncrate, set the floor and finally sell. Customers often put down a deposit and pay the balance on delivery. All that time, rent and payroll keep running.
Working capital covers that gap so the store can keep ordering, staffing and selling without stalling.
Every store is different, but these come up often:
You apply in about five minutes. We start with a soft credit pull, then review about three months of business bank statements. We are looking at the rhythm of your deposits, how the slow weeks compare to the busy ones, and what obligations already come out of the account.
No tax returns are required. FICO 500+ is considered. Sole proprietors can apply. We work with established stores that have steady deposits, and funding can arrive in as little as 24 hours for qualified businesses.
How much you can get depends mainly on your deposits and existing obligations. We offer funding from $25,000 to $5,000,000, but the right number for your store is the one the payments fit comfortably. Your offer shows the full repayment amount and payment schedule before you accept.
For illustration only: a store using working capital to cover a container deposit might ask for enough to cover that order plus a few weeks of freight, rather than a round number with no plan behind it.
If you will need cash repeatedly through the year, a business line of credit might fit better. Planning a second location? See furniture store expansion funding. Our furniture store cash flow guide covers the timing issues in more depth.
Yes. Vendor deposits on new collections and special orders are a common use.
A 5-minute application and about three months of business bank statements. No tax returns are required.
Funders look at your deposit pattern over time, including seasonal dips. Steady deposits across the period matter more than one quiet month.
In as little as 24 hours for qualified businesses once you accept an offer.
We start with a soft credit pull, so checking options does not affect your score.
Yes. Sole proprietors with an established store and steady deposits can apply. The review looks at your business bank statements the same way it would for any other store.
Example uses for illustration only.
These steps can strengthen a working capital request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding