Funding that blooms with your busy season.
Valentine's, Mother's Day, and wedding season mean huge orders and cash out the door before the deposits clear. Serving florists across Louisiana and Texas.
We know how florists 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 squeezeHoliday flower orders cost cash up front.
The fair fixWorking capital to buy volume for Valentine's and Mother's Day rushes.
The squeezeWedding deposits trickle in after you pay costs.
The fair fixFixed, predictable payments that ride out the gap between order and payout.
The squeezeSlow weeks between holidays pinch your budget.
The fair fixInterest-only options to keep payments light through the quiet stretches.
What florists owners use it for
Put the capital where it moves the needle most.
Peak holiday flower stock
Walk-in cooler equipment
Delivery van costs
Vases and arrangement supplies
Seasonal staff wages
Storefront refresh
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 florists business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
