Cover payroll, restock fast movers and bridge slow contractor payments. A 5-minute application and about three months of bank statements.
Get StartedWorking Capital
Inventory and house accounts tie up a hardware store's cash. Working capital keeps the day-to-day running while the money catches 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 roughly three months of statements. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered. A soft pull starts the process, and your deposits carry weight.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan around the seasons.
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.
A hardware store carries thousands of SKUs, from single bolts to riding mowers. A lot of cash sits on the shelves at any moment. On top of that, many stores run house accounts for contractors and property managers who pay on their own schedule. The result is a business that can be profitable on paper and still short on cash the week payroll is due.
Working capital covers that gap. It's general-purpose funding for the day-to-day expenses that keep the doors open.
Spring and fall are usually strong, while late winter can be lean. Working capital helps carry the store from one busy season to the next.
The process starts with a 5-minute application and a soft credit pull. We review about three months of business bank statements and don't require tax returns. FICO 500+ is considered, and sole proprietors can apply.
We pay attention to your deposit pattern, how the account handles slow weeks and what obligations are already being paid. Those factors drive the amount more than anything else. Our hardware store cash flow guide has more on managing the seasonal swing.
For illustration: a family hardware store has a big spring ahead but a thin account in February. Their main supplier offers better pricing for early orders. The owner applies for working capital, shares statements, and gets an offer showing the full repayment amount and schedule. They compare the payments with expected spring sales and decide whether the early-order savings are worth it.
If you'd rather have funds available to draw as needed, look at a business line of credit for hardware stores. For a lump sum tied to card sales, a merchant cash advance is another route. Planning a second location or a bigger lumber yard? See hardware store expansion funding.
Every offer shows the total repayment amount and the schedule before you accept. Apply in about five minutes.
Our range is $25,000 to $5,000,000. Your amount depends mainly on deposits and existing obligations.
We review what lands in your business bank account. When contractors pay, those deposits are part of the picture.
No. About three months of business bank statements is what we review.
Funding can arrive in as little as 24 hours for qualified businesses.
Working capital is general-purpose funding for business expenses like payroll, inventory, rent and vendor bills.
Tell us about it on your application. Existing obligations are part of how we size an offer, so accurate details help us avoid putting more on the store than its deposits can comfortably handle.
Example uses for illustration only.
These habits help a hardware store present a stronger cash picture.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding