Funding that keeps your floor rolling.
Spring riding season demands bikes, parts, and a full service bay before the rush hits. Serving bicycle shops throughout Louisiana and Texas.
We know how bicycle shops really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezePeak season stock ties up your cash for months.
The fair fixSeasonal working capital to load up on bikes and pay back as they sell.
The squeezeManufacturer pre-orders demand money up front.
The fair fixCapital to lock in next season's models and grab volume pricing.
The squeezeSlow winter months squeeze your budget.
The fair fixInterest-only options to ease payments through the quiet season.
What bicycle shops owners use it for
Put the capital where it moves the needle most.
Bike and frame inventory
Parts and accessory stock
Repair bay equipment
E-bike expansion
Showroom fixtures
Service tech hiring
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your bicycle shops business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
