Working capital for food gift basket shops.
Corporate and holiday orders arrive in waves, so you stock baskets and goods long before the invoices get paid. Serving food gift basket shops nationwide.
We know how gift basket businesses really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →Equipment Financing
Get the equipment. Keep your cash.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeCorporate orders pay long after delivery.
The fair fixFast funding to build and ship big orders while you wait on the invoices to clear.
The squeezeHoliday inventory buys hit all at once.
The fair fixWorking capital to stock baskets and goods for peak season without emptying the bank.
The squeezeOff-season months slow to a crawl.
The fair fixInterest-only options for the slow stretch so fixed payments ease when orders thin out.
What shop owners use it for
Put the capital where it moves the needle most.
Baskets & packaging materials
Bulk gourmet inventory
Refrigerated storage
Assembly & workspace
Shipping & fulfillment
Seasonal staff
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for food gift basket stores
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with 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+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% 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 gift basket business?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
